Where in the Amorino franchise agreement can I find information about the franchisee's insurance requirements?
Amorino Franchise · 2025 FDDAnswer from 2025 FDD Document
B. Insurance Obligations.
- (1) You shall maintain in full force and effect at all times during the term of this Agreement, at your expense, an insurance policy or policies protecting you, Amorino and its Affiliates, and their respective partners, shareholders, directors, agents, and employees, against any demand or claim with respect to personal and bodily injury, death, or property damage, or any loss, liability, or expense arising or occurring upon or in connection with the operation of the Store and the Franchised Business.
- (2) Such policy or policies shall: (a) be written by insurer(s) licensed and admitted to write coverage in the state in which the Franchised Business is located and with a rating of "A" or better as set forth in the most recent edition of Best's Key Rating Guide; (b) name Amorino and its Affiliates, and their partners, officers, subsidiaries, Affiliates, shareholders, directors, regional directors, agents, and employees as additional insureds on a primary noncontributory basis to the general liability policy and the auto liability policy, (c) the additional insured coverage must be provided on an Additional Insured Grantor of Franchise Endorsement form CG2029 (or an endorsement form with comparable wording acceptable to
Amorino); and (d) comply with Amorino's written requirements at the time such policies are obtained, and provide at least the types and minimum amounts of coverage specified below or as described within Amorino's written notice to you.
Source: Item 22 — CONTRACTS (FDD pages 80–81)
What This Means (2025 FDD)
According to Amorino's 2025 Franchise Disclosure Document, the franchisee's insurance obligations are detailed in Section B of Item 22, which covers contracts. Specifically, it states that the franchisee must maintain insurance policies during the term of the agreement to protect themselves, Amorino, its affiliates, and their respective partners, shareholders, directors, agents, and employees. This insurance coverage should address any claims related to personal and bodily injury, death, property damage, or any loss, liability, or expense arising from the operation of the Amorino store.
The insurance policies must be written by insurers licensed and admitted to write coverage in the state where the franchised business is located, with a rating of "A" or better as per Best's Key Rating Guide. Additionally, Amorino and its affiliates must be named as additional insureds on a primary noncontributory basis to the general liability policy and the auto liability policy. The additional insured coverage must be provided on an Additional Insured Grantor of Franchise Endorsement form CG2029 or a comparable endorsement form acceptable to Amorino.
These policies must comply with Amorino's written requirements at the time they are obtained and provide at least the types and minimum amounts of coverage specified or described within Amorino's written notice to the franchisee. This ensures that the franchisee has adequate insurance coverage to protect both their interests and those of Amorino, aligning with standard franchise practices where franchisors require franchisees to maintain specific insurance levels to mitigate risks and liabilities associated with the business operations.