Does TMJ Insurance, LLC, an affiliate of Beverly Anns Cookie, offer insurance to franchisees?

According to Beverly Anns Cookie's 2025 Franchise Disclosure Document, TMJ Insurance, LLC, referred to as "Kona Insurance" in the document, is an affiliate of Mobile Cookie Company, LLC, the franchisor of Beverly Ann's Cookie franchises. Kona Insurance offers comprehensive property and casualty insurance to Beverly Ann's Cookie franchisees. Kona Insurance shares the same principal business address as the franchisor, Mobile Cookie Company, LLC, which is 5945 Centennial Circle, Florence, Kentucky 41042.

This arrangement could be beneficial for franchisees as it provides a potentially convenient option for obtaining necessary insurance coverage. However, franchisees should still conduct their own due diligence and compare the offerings of Kona Insurance with other insurance providers to ensure they are receiving the best possible rates and coverage for their specific needs. It is important to evaluate the terms and conditions of the insurance policies offered by Kona Insurance to determine if they adequately protect the franchisee's business assets and operations.

While the FDD mentions that Kona Insurance offers "comprehensive property and casualty insurance," it does not specify the exact types of coverage included, the policy limits, or the premiums franchisees can expect to pay. Prospective franchisees should request detailed information about the insurance policies offered by Kona Insurance, including sample policies, coverage details, and premium schedules, to make an informed decision. They should also consider consulting with an independent insurance advisor to assess their insurance needs and evaluate the suitability of Kona Insurance's offerings.