As vice president of riskmanagement for The Wendy's Co., Andy Kuchar has within his purviewmore than 40,000 employees working at 1,427 restaurants. Chargedwith the safety of that many workers and the tens of millions ofguests the chain serves each year, working proactively is paramountto prevent injuries and ensure that proper coverage is inplace.

The Wendy's Co. owns approximately one-fifth of its restaurants;the remainder are franchises. Each franchise agreement includes theinsurance coverage needs that every Wendy's restaurant is requiredto carry, including General Liability, Workers' Compensation,Excess Liability and Property cover.

Kuchar's office utilizes a preferred insurance program forfranchisees through Marsh, which brokers all of its placements—butsome of those insurers don't write in certain parts of the country.As such, Wendy's requires a network of carriers to cover all itsbases, with multiple carriers in each market competing for thebusiness.