Must each insurance policy maintained by an Aira Fitness franchisee contain a waiver of subrogation?

According to Aira Fitness's 2025 Franchise Disclosure Document, each insurance policy that a franchisee maintains must include a waiver of subrogation in favor of the Additional Insureds. The Additional Insureds are AIRA Fitness Franchising LLC and any other entity with an insurable interest that Aira Fitness designates.

This waiver of subrogation means that the insurance company will not have the right to pursue a claim against the Additional Insureds (Aira Fitness or its designated entities) to recover any payments made on behalf of the franchisee due to a covered loss. This is a common requirement in franchise agreements to protect the franchisor from potential liabilities related to the franchisee's operations.

In practical terms, this requirement ensures that Aira Fitness and its affiliates are shielded from financial risk in the event of an incident at the franchisee's location. The franchisee is responsible for securing and maintaining this insurance coverage with the waiver of subrogation, and failure to do so could result in Aira Fitness procuring the insurance and charging the franchisee for the costs.