Does Anago act as an intermediary between the Subfranchisee and the designated insurance carrier for required insurance?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
We and our affiliates are not currently approved vendors for any particular product or service, but we do act as the intermediary between you and the designated insurance carrier with respect to the purchase of the required insurance.
We currently act as collection agent for the website creation and maintenance vendor and the designated insurance companies.
You are required to be covered under the Anago National Insurance program for the entire Term. The insurance fee will be paid to us or our designee, which we will pay to the insurance company. Premiums for any such insurance plans may vary in different states and may change from year to year. The plans may be subject to change, modification, and/or cancellation. Future changes in premiums, types of coverage and other changes will be set forth in writing.
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 23–26)
What This Means (2025 FDD)
According to Anago's 2025 Franchise Disclosure Document, Anago does act as an intermediary between the subfranchisee and the designated insurance carrier for the purchase of required insurance. Specifically, Anago acts as a collection agent for the designated insurance companies.
The FDD states that subfranchisees are required to be covered under the Anago National Insurance program for the entire term of the agreement. The insurance fee is paid to Anago or its designee, which then pays the insurance company. This means that franchisees will not directly pay the insurance company but will instead remit payment to Anago.
Premiums for these insurance plans may vary by state and are subject to change from year to year, as well as potential modifications or cancellations. Future changes in premiums and coverage will be provided in writing. This arrangement ensures that Anago subfranchisees maintain the required insurance coverage, while Anago manages the payment process.