Property Insurance
Even mobile operators have fixed-location business property. Color Glo franchisees may store inventory, supplies, colorants, sample materials, office equipment, and other assets at a home office, garage, storage unit, or small shop. Property coverage protects those assets.
Why Color Glo International Franchisees Need This
Built for Color Glo Franchise Operations
Product Inventory and Colorant Stock
Color Glo franchisees maintain an inventory of restoration products, colorants, repair materials, and cleaning supplies. Fire, theft, or storm damage to that inventory is a direct financial loss that property coverage addresses.
Office Equipment and Business Assets
Computers, printers, administrative equipment, and other technology used to manage the franchise are business personal property. These assets belong on the property policy and should be valued at replacement cost.
Storage Locations
Whether a franchisee stores materials in a home garage, a rented storage unit, or a small commercial space, property coverage can be structured to protect business property at covered locations.
Signage and Sample Materials
Display materials, sample kits, product boards, and franchise-branded assets stored at a fixed location may be covered as business personal property when properly disclosed.
Common Exposure Scenarios
When Coverage Matters Most
Fire Destroys Product Inventory
A fire damages colorants, restoration products, and supplies stored in a garage or small shop. Property insurance covers the replacement cost of the lost inventory.
Theft of Business Equipment
Business computers, administrative equipment, and stored supplies are stolen from the franchisee's home office or storage location. Property coverage responds to the theft.
Storm Damages Stored Assets
A storm causes water or wind damage to product stock and business equipment stored at a covered location. Property coverage addresses the loss.
Total Loss at Storage Location
A covered storage facility suffers a total loss event. Business personal property coverage ensures the franchisee can replace inventory and equipment to resume operations.
What to Look For
Reviewing Your Policy
- Business personal property limits sufficient to cover full inventory value and equipment
- Coverage at all relevant locations — home office, garage, storage unit, or commercial space
- Replacement cost valuation (not actual cash value) to avoid depreciation penalties at claim time
- Proper disclosure of the home-based or mobile operating model to the carrier
- Coordination with Equipment / Inland Marine for tools and supplies that travel between jobs
- Business income coverage if a covered loss would disrupt franchise operations
Review Your Coverage
The Southern Agency helps Color Glo franchise owners align policy limits, deductibles, and exclusions with the real-world risks of mobile restoration operations.
Request a Coverage ReviewThis page provides a general overview of property insurance and does not guarantee coverage. Coverage is subject to policy terms, conditions, and exclusions. Purchasing insurance through The Southern Agency does not automatically satisfy all franchise agreement requirements without individual review.
