What kind of insurance does TMJ Insurance, LLC offer to Beverly Anns Cookie franchisees?

According to Beverly Anns Cookie's 2025 Franchise Disclosure Document, TMJ Insurance, LLC, identified as "Kona Insurance" in the document, offers comprehensive property and casualty insurance to Beverly Anns Cookie franchisees. TMJ Insurance, LLC is an affiliate of the franchisor, Mobile Cookie Company, LLC. This insurance offering is significant because it provides franchisees with a potentially convenient option for obtaining necessary coverage.

Property and casualty insurance is a broad category that typically includes coverage for property damage (like fire, theft, or natural disasters) and liability protection (covering potential lawsuits or claims against the business). For a mobile Beverly Anns Cookie business, this could include insuring the mobile unit (GRM/GRT), equipment, and commissary, as well as covering liabilities related to accidents or injuries involving the business.

Franchisees should carefully evaluate the terms, conditions, and costs of the insurance offered by TMJ Insurance, LLC, and compare it to other insurance options available in the market to ensure they are receiving the best coverage at a competitive price. While using an affiliated insurance provider might offer some advantages in terms of understanding the specific needs of the Beverly Anns Cookie business, franchisees are generally not obligated to use the affiliate and have the right to choose their own insurance providers.