What insurance premiums are reflected on the Chick Fil A fee calculation report?

According to Chick Fil A's 2025 Franchise Disclosure Document, the fee calculation report reflects expenses paid to the insurance administrator for specific insurance premiums. These include workers' compensation, general liability, auto liability, and employment practices liability coverages.

Chick Fil A prepares a fee calculation report between the first and fifteenth day of each month for the preceding month to determine fees and other expenses to be paid from the franchisee's Gross Receipts. These fees and expenses are calculated according to a formula and are paid from Gross Receipts as expenses of the franchised Chick Fil A Restaurant business, either monthly or on a pro rata/month-to-date daily basis.

Chick Fil A also acts as the franchisee's agent to administer a program for collecting and accounting for receipts, facilitating payments for rent, equipment rental, insurance premiums, advertising contributions, and other amounts owed to Chick Fil A or its suppliers. The franchisee is billed by and pays the insurance program administrator directly for the specified insurance coverages, while still assisting Chick Fil A in administering the receipt collection program.