Who is the primary insured and additional insured on the Aira Fitness insurance policy?

According to Aira Fitness's 2025 Franchise Disclosure Document, the franchisee determines the necessary or appropriate insurance for liabilities caused by or occurring in connection with the development or operation of the Aira Fitness Business. Aira Fitness Franchising LLC and any entity with an insurable interest that Aira Fitness designates must be included as an additional insured on all liability policies.

Specifically, Aira Fitness requires that the franchisee's insurance policies include Aira Fitness Franchising LLC and any entity with an insurable interest that they designate as additional insureds on all liability policies. This requirement ensures that Aira Fitness has coverage under the franchisee's policies for liabilities related to the Aira Fitness business.

This means that while the franchisee is the primary insured, Aira Fitness Franchising LLC and other designated entities also receive coverage under the franchisee's liability policies, protecting them from potential claims related to the franchisee's operations. Additionally, each policy of insurance maintained must contain a waiver of subrogation in favor of the Additional Insureds.

The franchisee must provide Aira Fitness with certificates or endorsements proving compliance with these insurance requirements, including showing all required Additional Insureds. These certificates must also provide that Aira Fitness will be given thirty (30) days' prior written notice of material change in or termination or cancellation of the policy.