To whom is the Anago insurance fee paid, and what do they do with it?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
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, franchisees are required to participate in the Anago National Insurance program for the entire term of their agreement. The insurance fee is paid either to Anago or to their designee. Anago then forwards this payment to the insurance company.
Premiums for the insurance can vary by state and may change annually. The specific insurance plans are also subject to modifications or cancellation. Anago commits to providing written notice of any future changes to premiums or coverage.
This arrangement means that Anago acts as an intermediary for insurance, potentially simplifying the process for franchisees by negotiating and managing the insurance program on their behalf. However, franchisees should be aware that insurance costs can fluctuate and that coverage terms are subject to change, which could impact their overall operating expenses.