Need help buying a bread snacks route (insurance, bankrupt, profit)

[pallatetagimi]

First time buyer. Looking at a route that nets 72000/yr (after taking out 12000/yr in operating expenses, truck maintenance, gas etc) so total of 84000/yr. Route sells for 168000, about 9-10 hr days, 5 days a week, 6 stores total. Does that seem like a decent/fair purchase price? My biggest concern is how do I protect my investment? It will take me 2 and half years just to get my investment back. What if the company goes bankrupt, stores go out of business, what if they get bought out and my contract gets cancelled. What are the ways of me losing my stores (through no fault of my own). What happens if I get into an accident, god forbid, break my leg and cant service the route, do I lose it? Am I overanalyzing this? Is there a way to insure my initial investment (what's the name of that singer that insured her legs for 40 mil). I would appreciate any feedback and knowledge if there is a system in place when you sign the contract with the parent company that protects my investment in case of such extremities. I understand that there is a risk in every business venture, yet wandering if there is a system in place to protect. Thanks for taking the time reading and/or replying

[ncole1]

You need to do a lot of homework. Accidents can largely be insured against, be sure to check what insurances are in place already. As to your initial investment - as the saying goes, don't invest money you can't afford to lose (particularly in a single business). The contracts with stores can vary and you need to read them all. Part of the profit should really be thought of as a salary that you pay yourself - because it's a job. Only the excess above a fair salary for the requisite skills and time commitment is really a return on your investment of capital.

[qlty]

Stay away from any route that requires you to join a union