Besnard Insurance
Besnard Insurance is a private, Florida-based insurance brokerage founded in 1979 that specializes in property, casualty, and specialty coverage for McDonald's Owner/Operators nationwide, delivered through the National, Florida, and Coastal Insurance Programs and supported by 40+ offices.
- Company typePrivate
- Founded1979
- HeadquartersTampa, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Besnard Insurance does
Besnard Insurance is a private insurance brokerage founded in 1979, specializing exclusively in insurance and risk management for McDonald's Owner/Operators. Operating under the brand 'Insurance for Owner/Operators' (mooins.com) and via the Dean Villella Agency subsidiary, the firm runs three core programs: the National Insurance Program (NIP) providing package coverage (Workers' Compensation, Property, General Liability, Crime, Umbrella, EPLI, Cyber, Commercial Auto); the Florida Insurance Program (FIP) using 40+ markets to layer property risk for hurricane-exposed Florida operators; and the Coastal Insurance Program (CIP) leveraging Lloyd's of London for coastal-state operators. Add-on and stand-alone products include Hiscox Armed Assailant Protection, Workplace Violence coverage (SRM), Directors & Officers Liability, Trade Name Restoration, Named Storm Wind Deductible Buy-Down, Fraud Protect/Excess Crime, War/Terrorism/Political Violence coverage, and Chubb Personal Excess Liability.
The firm layers proprietary safety tools — the Profiting From Safety mobile app, Managers Safety University, online safety surveys, and loss-run analytics — over a traditional third-party technology stack (Vertafore client portal, Wufoo forms, EZ Texting SMS, RightSignature e-signatures). It generates revenue primarily through recurring insurance brokerage commissions on premiums placed with carrier partners including Lloyd's of London, Chubb, Hiscox, RSUI, HCC/Tokio Marine, and SRM/Access Insurance Services.
Distribution is sales-led and relationship-driven: 40+ offices and 500+ employees provide dedicated client managers with direct mobile access, with no call centers or offshore outsourcing. The go-to-market targets McDonald's franchise owner/operators nationwide, with NOIT endorsement reinforcing the Workers' Compensation franchise. The company's value proposition centers on long-term premium stability, layered market access, and integrated safety services rather than digital underwriting or AI-driven pricing.
Besnard Insurance firmographics
Firmographics- Name
- Besnard Insurance
- Legal name
- Besnard Insurance
- Website
- https://mooins.com
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Besnard Insurance is a private, Florida-based insurance brokerage founded in 1979 that specializes in property, casualty, and specialty coverage for McDonald's Owner/Operators nationwide, delivered through the National, Florida, and Coastal Insurance Programs and supported by 40+ offices.
- Ownership category
- akta.pro rank
Besnard Insurance industry classification
Industry- Product category
- Commercial Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Loss Control & Safety Engineering (Driver Training, Policy/Program Design, Audits) (TLABANAJ)
- akta.pro secondary industry
- Workers’ Compensation & Employer’s Liability (Driver/Fleet Ops) (TLABANAF)
Keywords
Where Besnard Insurance is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Besnard Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Besnard acts as an insurance specialist/broker earning commissions from insurance products placed with carrier partners. They offer multiple insurance programs including Workers Compensation, Property, General Liability, Commercial Auto, Umbrella, EPLI, Cyber, and specialty coverages. Revenue is generated through commissions on insurance premiums paid by client owner/operators.
- Specialty Insurance Programs: Specialized insurance programs including Florida Insurance Program (FIP), Coastal Insurance Program (CIP), and National Insurance Program (NIP) offered through layered insurance solutions with multiple carrier partners sharing risk.
- Personal Excess Liability: Chubb excess liability policies offered exclusively to owner/operators, providing personal umbrella-type coverage for bodily injury, property damage, libel, slander, and legal defense.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | War, Terrorism, Political Violence coverage starting at ~$5,000 per restaurant for $1,000,000 coverage |
| Subscription | Annual | Personal Excess Liability through Chubb with at least $10 million in protection recommended |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Besnard Insurance product offering
Product offeringCore offering
Besnard Insurance is a commercial insurance brokerage and risk management firm that places and services commercial insurance coverages for restaurant Owner/Operators (principally McDonald's franchisees) nationwide. It sells specialized programs — Workers' Compensation, Property, General Liability, Commercial Auto, Cyber, EPLI, D&O, Workplace Violence, Trade Name Restoration, War/Terrorism, Fraud/Crime, and Personal Excess Liability — through dedicated client managers and layered carrier partnerships, and wraps those policies with proprietary safety and loss-prevention services.
Product overview
Besnard Insurance is an insurance brokerage and risk management firm specializing in Owner/Operators since 1979, offering a broad portfolio of niche insurance products and safety services. Its core programs include the Florida Insurance Program (FIP) — a layered property insurance solution using 40+ markets for Florida Owner/Operators — the Coastal Insurance Program (CIP) leveraging Lloyd's of London, and the National Insurance Program (NIP) — a nationwide package combining Workers' Compensation, Property, General Liability, Crime, Umbrella, EPL, Cyber, Commercial Auto, and other coverages. Add-on and stand-alone products include Armed Assailant Protection (via Hiscox), Workplace Violence (WVA), Directors & Officers Liability, Trade Name Restoration (TNR), Named Storm Wind Deductible Buy-Down, Fraud Protect / Excess Crime, War/Terrorism/Political Violence (WTPV), and Personal Excess Liability (via Chubb). Safety and service support tools include a Profiting From Safety mobile app, Managers Safety University (MSU), safety surveys, loss runs, COI requests, and 401K reviews. The company operates 40+ offices with 500+ employees and serves Florida and Minnesota (via Dean Villella Agency), targeting McDonald's Owner/Operators nationwide.
Differentiator
Problem solved
Functional benefit
Brands
- National Insurance Program (NIP): National insurance program for Owner/Operators offering property, general liability, crime, umbrella, workers compensation, and other coverages.
- Florida Insurance Program (FIP)
- Coastal Insurance Program (CIP)
- Profiting From Safety
Products and services
- Florida Insurance Program (FIP) A layered property insurance solution built on 40+ insurance markets that each take a portion of catastrophic risk, designed exclusively for Florida-based Owner/Operators to stabilize long-term property insurance costs.
- Coastal Insurance Program (CIP) A layered property insurance program through Lloyd's of London and other markets for coastal-state Owner/Operators, providing long-term price and cost stability against catastrophic windstorm events.
- National Insurance Program (NIP) A nationwide package insurance program for Owner/Operators bundling Workers' Compensation, Property, General Liability, Crime, Umbrella, EPL, Cyber/Network Security, Commercial Auto, and other coverages into a single coordinated program.
- Workers' Compensation Insurance Specialized Workers' Compensation coverage for restaurant Owner/Operators offering preferred long-term pricing, dedicated claims and service team support, and participation in the NOIT Endorsed Program.
- Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance that protects Owner/Operator businesses from wrongful-action allegations and lawsuits related to employment practices, placed through RSUI and HCC/Tokio Marine.
- Cyber/Network Security Insurance Cyber and network security privacy liability insurance protecting Owner/Operator businesses against ransomware attacks, data breaches, business email compromise, and third-party liability for customer credit card and employee data.
- Commercial Auto Insurance Commercial auto and fleet insurance program for Owner/Operators with A-rated carriers, flexible composite rating, and limits aligned to umbrella carrier standards across most states.
- Workplace Violence (WVA) Coverage Stand-alone Workplace Violent Act coverage for Owner/Operators that addresses revenue loss and liability from violent events, providing four coverage components and a 24/7 Crisis Management Resource through SRM.
- Directors and Officers Liability (D&O) Insurance Directors and Officers Liability insurance that protects Owner/Operator board members and officers from personal liability when sued for wrongful actions while managing the company or affiliated nonprofit organization.
- Trade Name Restoration (TNR) Coverage Business interruption and recall coverage that responds to foodborne illness outbreaks, accidental or malicious food contamination, and products extortion, including an SRM 24/7 crisis hotline and optional workplace violence and extortion coverages.
- Named Storm Wind Deductible Buy-Down Named Storm Wind Deductible Buy-Down plan that reduces windstorm deductibles for Owner/Operators, lowering financial exposure from escalating deductibles on commercial property policies.
- Fraud Protect and Excess Crime Funds Transfer Fraud and Excess Crime coverage that protects Owner/Operator business bank accounts against wire fraud, ACH fraud, employee theft, and embezzlement with higher crime limits than standard package policies.
- War, Terrorism, Political Violence (WTPV) Coverage War, Terrorism, and Political Violence coverage providing $1,000,000 in protection against acts of war, terrorism, and political violence for Owner/Operator restaurants, with premiums starting around $5,000 per restaurant through Lloyd's markets.
- Hiscox Armed Assailant Protection Stand-alone coverage placed through Hiscox for malicious attacks involving hand-held weapons, vehicle-ramming, or explosive devices at Owner/Operator business locations, including property damage, business interruption, and 24/7 crisis management via Control Risks.
- Personal Excess Liability (Chubb) Personal excess liability (umbrella) policy from Chubb providing at least $10,000,000 in personal asset protection — against bodily injury, property damage, libel, slander lawsuits, and other covered damages — offered exclusively to Owner/Operators.
Quantifiable outcome
- Property premium increases held to <30% over 12 years (<3% per year) through Florida Insurance Program
- +2 more outcomes
Companies that use Besnard Insurance
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles1 record
Besnard Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
Feature5 records
Besnard Insurance partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- NOIT (National Owner/Operator Insurance Trust)coreNOIT Endorsed Program - Besnard is the #1 supporter of the NOIT Endorsed Workers Compensation Program for owner/operators, providing specialized insurance solutions endorsed by the national owner/operator organization.
- ChubbcoreChubb provides Personal Excess Liability insurance exclusively to owner/operators through Besnard. Coverage includes bodily injury, property damage, libel, slander, and legal defense. Offered as an exclusive program only to owner/operators.
- HiscoxcoreHiscox Armed Assailant Protection offered through Besnard for small businesses including restaurants. Provides coverage for property damage, business interruption, and crisis response costs following malicious attacks. Includes Control Risks crisis management partnership.
- Lloyd's of LondoncoreLong-standing Lloyd's market partnerships provide War, Terrorism, Political Violence coverage starting around $5,000 per restaurant with $1,000,000 in coverage. Lloyd's also participates in the layered property programs for coastal and Florida owner/operators.
- Layered Insurance Markets (40+ carriers)coreMultiple insurance companies each taking a portion of risk from catastrophic events. Creates diversification in owner/operator insurance systems and enables negotiation of future pricing. Allows replacement of individual partner companies to maintain low pricing.
- Access Insurance ServicesminorAccess Insurance Services provides insurance products through Besnard's National Insurance Program for property, general liability, and crime coverage.
- HireRightminorPost injury drug testing services for maintaining a drug-free workplace, referenced as part of safety services offered to owner/operators.
- Specialty Risk Management (SRM)coreSRM provides 24/7 crisis management hotline with 95% success ratio in preventing media events. 100+ years of combined food and beverage industry experience. Included in Trade Name Restoration coverage for foodborne illness outbreaks.
- RSUIminorRSUI provides commercial umbrella and EPLI coverage options for owner/operators. RSUI EPLI clients receive important notice to report claims immediately.
- HCC/Tokio MarineminorHCC/Tokio Marine provides EPLI coverage with HR Pilot HR/Legal Team services for employment practices liability protection.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Besnard Insurance competitors and assessment
Company assessmentDirect peers
- RPS Insurance (Ryan Specialty): Specialty wholesale brokerage within Ryan Specialty Group placing complex and non-standard risks across P&C lines. Comparable as a specialty broker leveraging layered carrier markets and serving niche verticals similar to Besnard's QSR franchise focus.
- Brown & Riding Insurance Services: Specialty insurance brokerage with deep hospitality and restaurant practice, placing property, casualty, and specialty lines through layered carrier markets. Highly comparable in operating model, carrier-partnership approach, and vertical focus on food service operators.
- Burns & Wilcox: Specialty wholesale insurance broker placing excess & surplus and complex P&C risks for niche industries. Comparable carrier-partner-led distribution model and focus on hard-to-place risks that mirror Besnard's coastal/catastrophe-exposed placement work.
- CRC Insurance Group: Wholesale specialty broker with strong restaurant and hospitality practice. Comparable in placing layered specialty risks and partnering with retail brokers, with similar reliance on carrier relationships for hard-to-place lines.
Broad incumbents
- Alliant Insurance Services: Specialty insurance brokerage with dedicated restaurant and hospitality practice offering broad P&C and employee benefits coverage. Comparable vertical focus but materially larger scale and broader product portfolio than Besnard.
- Acrisure: Large and rapidly consolidating insurance brokerage with significant commercial P&C franchise. Comparable in commercial broker model and M&A-driven growth strategy, but operates across all commercial segments rather than specializing in QSR franchises.
- Marsh McLennan Agency: Middle-market arm of the global Marsh franchise, serving commercial accounts across verticals including hospitality and restaurant groups. Comparable P&C brokerage model and layered-market access, though operating at vastly greater scale.
- USI Insurance Services: Large U.S. insurance brokerage serving mid-market commercial clients across many verticals including restaurant/hospitality. Comparable in P&C placement and risk advisory offerings, with substantially broader product and geographic footprint.
- Amwins Group: Largest U.S. specialty wholesale distributor of P&C insurance with restaurant and hospitality exposure. Overlaps with Besnard on specialty placement but operates at substantially greater scale and breadth across many industries.
- Hub International: Mid-market insurance brokerage with restaurant and hospitality specialization. Comparable customer type (multi-unit operators) and carrier-broker distribution model, but operating at significantly larger scale and geographic breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Besnard Insurance social profiles
Digital presenceBesnard Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Besnard Insurance leadership team
Management profileNumber of profiles
Profiles3 records
Besnard Insurance subsidiaries and ownership
Company hierarchySubsidiaries1 record
Besnard Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Besnard Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Besnard Insurance
What does Besnard Insurance do?
Besnard Insurance is a commercial insurance brokerage and risk management firm that places and services commercial insurance coverages for restaurant Owner/Operators (principally McDonald's franchisees) nationwide. It sells specialized programs — Workers' Compensation, Property, General Liability, Commercial Auto, Cyber, EPLI, D&O, Workplace Violence, Trade Name Restoration, War/Terrorism, Fraud/Crime, and Personal Excess Liability — through dedicated client managers and layered carrier partnerships, and wraps those policies with proprietary safety and loss-prevention services.
Is Besnard Insurance a public or private company?
Besnard Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Besnard Insurance founded?
Besnard Insurance was founded in 1979. It employs 11 to 50 people.
Where is Besnard Insurance based?
Besnard Insurance is headquartered in Tampa, United States, in the North America region.
How does Besnard Insurance make money?
Three revenue lines are on record. Insurance Brokerage Commissions are the primary driver. The others are specialty Insurance Programs and personal Excess Liability.
Who are Besnard Insurance's main competitors?
Direct peers on record are RPS Insurance (Ryan Specialty), Brown & Riding Insurance Services, Burns & Wilcox and CRC Insurance Group. Broad incumbents are Alliant Insurance Services, Acrisure, Marsh McLennan Agency, USI Insurance Services, Amwins Group and Hub International.
Does Besnard Insurance have an API?
No public API is recorded for Besnard Insurance.
What industry is Besnard Insurance in?
Besnard Insurance's product category is Commercial Insurance Brokerage. Its primary akta.pro industry code is TLABANAJ, Loss Control & Safety Engineering (Driver Training, Policy/Program Design, Audits), with a secondary code of TLABANAF, Workers’ Compensation & Employer’s Liability (Driver/Fleet Ops). Its NAICS code is 524210 and its SIC code is 6411.