Multi-Unit Franchisee Magazine Issue II, 2017 - Page 64

C A P T I V E I N S U R A N C E J FROM DONUTS TO DOLLARS ohn Batista, a Dunkin’ Donuts franchisee with 23 units in Rhode Island, grew up in the brand. His father bought into Dunkin’ in the early 1970s and passed his stores down to Batista’s older brothers and sister. After college, Batista became a franchisee himself. He first heard about captive insurance from his broth- ers, who attended a presentation by a broker about 4 or 5 years ago. “I’ve known Dunkin’ Donuts my whole life, but I knew nothing about insurance except how to file claims and pay premiums,” he says. “It was a really foreign con- cept to us, so we started doing some research.” As they learned more ЁаѥٔɅ)͕͔͕ٕɅ̸ٕ Ё ѥфѼٕɍ)ݼɹĤЁɕեɕɱՉхѥх)ٕѵЁѡЁЁ́䁅ЁɥͬȤ́)ݱЁɅq Ё$ɹեє)݅́ѼٕɍѡЁѡɽ՝)ɕ͕ɍѕ٥̳t̸ͅ)]Ё ѥф܁݅́ѡЁ)݅ѕѡѥٔѼȵݹ)፱ٕͥ䁙ȁչdɅ͕)ݡѡͅՕ́ձ)͡ɔЁɅѥ́Ёݽɭ)ͅѼ́ݸ́)ٕѥѕѡȰչݼչd)Ʌ͕́9܁)͕ݡ)ɕхѕЁՍѥٔ+qQ䁡ѡݽɬ)䁹ɔɅ͕́Ѽ)ɥɕմѼѡ͔)Ʌ́х)չЁɕմѼѥٔ)٥t̸ͅq%Ё݅́չєȁ)ѡЁݔչѡչє)ѡѽ͔ѡ䁹̻t)!͍ɥ́ѡѡ䁙ɵѕɹѥٔ)Mѥ́%Ʌ 䀡M% ́q͵)ѥٔɅѡЁЁЁхѕtM% )ɥѥ́9ٕȀԸQ䁥Ё(Ʌ͔ɽ́́́ݥѠЀԁѽхչ)ݥٔɕєɕյ́ɽչȁ)啅ȵ)Qɔɔ䁑ɕЁ́ѥٕ̰̰ͅ)ͥM% éɕєѡՍɔ)ѡ七q=ȁѥٔ́ͽݡЁչՔѡЁݔ)ȁɅ͕́ѡѥѼ͡ɕ́ѡ)͡ɔɽ́ݸѡɽȁЁ)ȁѡѥٔ䁥Ʌѡɽ՝̻t)ȁ ѥфѡݼЁ́)ѥٔɔ(Ĥ5ɔ丁ȁᅵ̰ͅ׊eɔ)ɅѥɅɽɅəɵݕ)͕́ɔܰЁѡѡѕɴѡɅ)䁭́ݡѕٕȁɽ́ɕ%ѥٔ)ѡ͔ɽ́ɔɥѕѼ̸́qQӊe($)5U1Q$U9%PI9 !%M$MLU%$ȀĀ)ѡЁɕͽݡ䁅役ѡЁձѥٔ)͡ձt̸ͅ(Ȥ5ɔɽq]ԁٔɔɽ)ٕȁѡ́ɽ̰ԁٔɔɽ)ٕȁѡ́ݡЁɕ͕ٕ́ɔ͕Ёаݡ)ٕ䁥хЁ͔ɅѡЁ́ɔ)͕ٕ́ɥєѡ͔ɕ͕ٕٕ́ЁѡЁ䳊t)̸ͅ ѥٕ̰̰ͅɔɅ䁄ѱЁɔ)͕مѥٔЁɕ̸͕ٕqeԁ͕ЁѡѱЁݕ)͔ѡ䁅Ё́́ѡЁЁ̸݅!)ɕ͕ٕ́Ѽɕ͕ɕյ́Չ͕ՕЁ啅̰)ѡ䁅ͼЁȁɅݡ͕́Ѽ)ձєɕյ̻t)MɕЁɕ+q]ԁɔѥٔԁɔѼɕٔ)ɽ́ѡѕɴQ݅ѼɔѡЁ)Ѽȁ͕̳t́ͅ ѥфqMݡ׊eɔ)ɅɽɅѡ̰ԁͅ䁉ѕ)͔ԁ݅ЁѼɔ׊eɔɹѡЁɽ)%ɸ׊eɔչͅȁͤ)́ȁ啕́ȁѽ̻t)%׊eɔЁѥٔٔ)̰ͅԁхѡд)ѥՑѡЁѡɅݥ)䁙ȁи9Ёͼѥٔq])׊eɔѡɅ她)ȁаԁЁ́եєЁ)ɕѱ䳊t̸ͅqQ͕ɕЁɕ)Ѽɽѥ̰ٔݡɔ)ٔձѥݹ̰ձѥ)̰́ѡЁԁхЁ͡ɥЁɅ)ѥ̰Ѽѡȁȁ٥)ݽɭѥٕ䁅́ɽѼ)̸͕%Ёٕ́䁉)ЁݡЁԁt)Qѕѥݹ̰ͥͅ)ѡЁѡ́ѡѥٔх)ɥͬѡЁɕ٥ͱ䁉ٕɕ䁅ͥȴ)七q́ɕȰѡɥͬ́ɝ͕́ѡ)ձ͔䁙ȁѡ䳊t̸ͅq%ѡɔ́)ɥͬӊéѡɕˊéɥ͕̻ͬtͼѡɗéѱ)ɔݽɬٽٕѡ她ͽ͔Ѽ)ȁɅ̰ͅ܁ٽٕ)݅ЁѼ)QɗéͼѡЁѡЁ́ѥхѡ)ձ͕ٔȁɽѠeЁ͕ɕɹ́ȁ啅̸+q ѥٔɅ́ѕ䁄ѕɴ丁%ӊé)ͽѡԁչЁt̸ͅ+qȁ́ӊé́ͥ́ѡ̳t́ͅ ѥф胊q́ͤ)́ݹȰݔͼ䁡ݥ̰ѡ͕)Ѽɽ܁Յѥ䁅ɕѠٕ啅ȸMѡɗe)չѼѼѡѡЁݥ܁ԁѼ)ɕхɔɽЁȁɕєɔɽаЁɕ䁉ٕ)ԁѼͼt) ЁѡѡͥѥѼ)ɍЁ́ՅɅɕմ٥ ѥф)ѡɥͭ́ݕɔݽѠи]ѠM% ܁͕́啅Ȱ)ѥݥѕٕ́ѵЁ́