What is the minimum amount of employee dishonesty insurance that All Dogs Unleashed franchisees must maintain?
All_Dogs_Unleashed Franchise · 2025 FDDAnswer from 2025 FDD Document
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Insurance
You must acquire and maintain insurance of the type and with minimum limits that we require. Our required coverage currently includes: (i) bodily injury/property damage general liability insurance in the amount of $1,000,000 per occurrence and $2,000,000 aggregate; (ii) fire, vandalism, and extended coverage with primary and excess limits of not less than the full replacement value of the Facility and its furniture, fixtures, and equipment; (iii) products and completed operations liability in the amount of $1,000,000 per occurrence and $2,000,000 aggregate; (iv) tenant's legal liability in the amount of $100,000; (v) workers' compensation insurance with limits no less than required by applicable law, but in no event less than $1,000,000 per accident, $1,000,000 for disease per employee, and $1,000,000 for disease; (vi) alternative coverage (where such insurance coverage is legally permitted) with substantially similar compensation for injured workers through an "A" rated carrier that is approved by us; (vii) automobile liability for owned, hired, and nonowned vehicles in the amount of $1,000,000 per occurrence and $2,000,000 aggregate; (viii) crime, money and security with limits of $10,000 inside/$10,000 outside and employee dishonesty in an amount of
$25,000; (ix) business interruption/extra expenses, which may be obtained on an Actual Loss Sustained (ALS) basis for a minimum of 12 months or a stated value by location and based on a six month projected fixed operation costs, calculated by completing a Business Interruption Worksheet that should be provided by your insurance agent; (x) employment practices liability including third-party liability/trade name restoration in an amount of $1,000,000; (xi) umbrella in the amount of $2,000,000 (if you are granted the right to open and operate multiple Franchised Businesses by entering into multiple franchise agreements with us, you must acquire umbrella insurance in an amount of $5,000,000 (5 to 10 locations), $10,000,000 (11 to 15 locations), $15,000,000 (16 to 20 locations), or $20,000,000 (more than 20 locations), as applicable; and (xii) equipment breakdown up to the value of t
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 16–18)
What This Means (2025 FDD)
According to All Dogs Unleashed's 2025 Franchise Disclosure Document, franchisees are required to maintain specific insurance coverage, including employee dishonesty insurance. The minimum amount for employee dishonesty insurance is $25,000, as part of the broader crime, money, and security coverage. This coverage also includes limits of $10,000 for inside and $10,000 for outside incidents.
In addition to employee dishonesty coverage, All Dogs Unleashed franchisees must also maintain other insurance policies, including general liability insurance, property damage insurance, worker's compensation, and automobile liability. These policies have specified minimum coverage amounts, and franchisees must ensure that their insurance policies meet these requirements.
The FDD specifies that All Dogs Unleashed and its affiliates must be named as additional insureds on a primary noncontributory basis on each insurance policy. Franchisees must also provide certificates of insurance to All Dogs Unleashed at least 10 days before they are required to carry insurance and 30 days before the expiration of any policy. Failure to maintain the required insurance may result in All Dogs Unleashed obtaining the insurance on behalf of the franchisee and charging the franchisee for the premium costs, plus an administrative fee.