What factors can affect the insurance costs for a Bojangles Restaurant?
Bojangles Franchise · 2025 FDDAnswer from 2025 FDD Document
2 Insurance. The figures in the chart are estimates of your insurance costs during the pre-opening phase of your Restaurant for the following insurance: general liability, employers' liability, workers' compensation, auto liability (if you own, hire or lease automobiles for use in your business) and property insurance. In some cases you may be required to pay the entire annual premium initially. Costs may vary among different underwriters and may be based on variables including how long you have been in business, your financial condition, your prior risks and the location of your Restaurant. See Item 8 for additional information regarding insurance.
Source: Item 7 — ESTIMATED INITIAL INVESTMENT (FDD pages 24–27)
What This Means (2025 FDD)
According to Bojangles's 2025 Franchise Disclosure Document, the estimated initial insurance costs range from $5,000 to $21,000. These figures cover the pre-opening phase and include general liability, employer's liability, workers' compensation, auto liability (if applicable), and property insurance. The FDD indicates that in some instances, franchisees may need to pay the entire annual premium upfront.
The costs can fluctuate based on several factors. These variables include the franchisee's business history, financial standing, prior risk profile, and the restaurant's location. Different insurance underwriters may also offer varying rates, contributing to the range in estimated costs.
Prospective franchisees should carefully consider these factors and obtain quotes from multiple insurance providers to understand the potential range of insurance expenses for their Bojangles restaurant. Item 8 of the FDD provides additional information regarding insurance requirements.