Does All Dogs Unleashed require franchisees to purchase insurance coverage from approved suppliers?
All_Dogs_Unleashed Franchise · 2025 FDDAnswer from 2025 FDD Document
g to Specifications
We may require you to purchase from our approved or designated suppliers or distributors all products and services necessary to construct and operate the Franchised Business, including: (1) fixtures, furniture, equipment, signs, items of decor, and audio/visual systems, (2) pet food, training collars, leashes, and other supplies and products (whether or not bearing our Marks or intended for resale), (3) uniforms, shirts, and all merchandise and items intended for retail sale (whether or not bearing our Marks), (4) advertising, point-
of-purchase materials, and other printed promotional materials, (5) gift certificates and stored value cards, (6) stationery, business cards, contracts, and forms, (7) bags, packaging, and supplies bearing our Marks, (8) insurance coverage, (9) architectural services, and (10) payroll, accounting, and bookkeeping services.
If we have identified approved or designated suppliers for a particular product or service, and you wish to purchase from a different vendor or service provider, you must request our approval. We are not obligated to consider or grant your request, but if we choose to consider your request, we will provide you our criteria for supplier approval. We anticipate that we will be able to notify you of our approval or disapproval within 60 to 90 days from the date we receive all required information or complete any necessary inspections. We can impose a reasonable fee, up to $2,500 for these testing services. We may, at our option, periodically reinspect a supplier's facilities, products, or services, and may revoke our approval at any time, in our sole discretion. We will pay the cost of any re-inspection.
You must use a Real Estate Project Manager that we designate to manage and lead real estate brokerage services, site selection counseling, and other assistance that the Real Estate Project Manager considers necessary and appropriate, which may include, in the Real Estate Project Manager's sole discretion, on-site evaluations.
We reserve the right to require you to use a designated project manager to provide construction management services. If required, you must engage the project manager at your sole cost and expense.
You may purchase items or services for which we have not established approved designated suppliers from any source so long as they meet our Standards (which may include brand requirements). We will communicate our Standards to you in writing.
Currently neither we nor our affiliates are designated or approved suppliers for any other products or services. None of our officers own an interest in any privately-held supplier or a material interest in any publicly-held supplier. Occasionally, our officers may own non-material interests in publicly-held companies that may be suppliers to our franchise system.
Training Facility
You must acquire a site for the Franchised Business within your Service Area that meets our site selection criteria and that we approve. If you occupy the Commercial Training Facility according to a commercial lease, the lease must contain terms that we specify. (See Lease Addendum attached as Attachment F to the franchise agreement). You must construct, equip, and improve the Commercial Training Facility according to our current standards and specifications. We must review and approve all final plans and specifications before you begin constructing the Commercial Training Facility. We may inspect the Commercial Training Facility during its development and require reasonable alterations to ensure it complies with our plans and specifications.
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;
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 may be required to purchase insurance coverage from approved or designated suppliers. All Dogs Unleashed may require franchisees to purchase various products and services from approved or designated suppliers, including insurance coverage. If a franchisee wishes to use a different vendor or service provider other than the approved or designated supplier, they must request approval from All Dogs Unleashed. All Dogs Unleashed is not obligated to consider or grant the request, but if they do, they will provide the criteria for supplier approval.
The FDD outlines specific insurance requirements that All Dogs Unleashed franchisees must meet. These include coverage types and minimum limits, such as $1,000,000 per occurrence and $2,000,000 aggregate for bodily injury/property damage general liability insurance. The insurance policies must name All Dogs Unleashed and its affiliates as additional insureds and include a waiver of subrogation rights. Additionally, the insurance must be underwritten by insurers licensed and admitted in the state where the facility is located and have an A.M. Best rating of "A" or higher.
Franchisees must provide certificates of insurance to All Dogs Unleashed at least 10 days before the insurance is required and 30 days before any policy expiration. Failure to maintain the required insurance allows All Dogs Unleashed to obtain insurance on behalf of the franchisee and charge the franchisee for the premium costs, plus an administrative fee of up to 15% of the premium amount. All Dogs Unleashed retains the right to modify the required insurance coverage types and amounts at any time.
While All Dogs Unleashed may designate specific insurance providers, franchisees have the option to seek approval for alternative vendors, although this approval is not guaranteed and may involve a testing fee of up to $2,500. This arrangement allows All Dogs Unleashed to ensure compliance with their insurance standards while providing franchisees with a potential, albeit conditional, degree of choice in selecting their insurance providers.