Who must be named as an additional insured on the liability policies for an Aira Fitness franchise?

According to Aira Fitness's 2025 Franchise Disclosure Document, Aira Fitness Franchising LLC and any entity with an insurable interest that Aira Fitness designates must be included as additional insureds on all liability policies. This requirement ensures that Aira Fitness and its designated entities are protected under the franchisee's liability insurance coverage, to the extent that they have an insurable interest.

This provision is a standard practice in franchising, as it provides an added layer of protection for the franchisor against potential liabilities arising from the franchisee's operations. The franchisee is responsible for securing and maintaining the required insurance coverage throughout the term of the franchise agreement. Failure to comply with these insurance requirements could result in Aira Fitness procuring the necessary coverage and charging the franchisee for the associated costs.

For a prospective Aira Fitness franchisee, this means understanding and budgeting for the cost of the required insurance policies, including the additional insured endorsements. It is important to review the specific insurance requirements with a qualified insurance professional to ensure full compliance with the franchise agreement and to adequately protect the business from potential risks. The franchisee should also be aware that Aira Fitness may modify the required minimum insurance limits from time to time to reflect changes in industry standards or liability experiences.