When must an Amorino franchisee provide declaration pages for the required insurance policy?

According to Amorino's 2025 Franchise Disclosure Document, franchisees must provide declaration pages from their insurance policy at two specific times. First, declaration pages evidencing the required coverage must be provided to Amorino prior to construction of the franchise location. Second, franchisees must submit declaration pages at least 10 days before they are first required to carry insurance and then again at least 30 days before any policy's expiration.

These requirements ensure that Amorino has ample time to review and confirm that the franchisee's insurance coverage meets the franchisor's standards. The insurance policies must protect the franchisee, Amorino, its affiliates, and their respective personnel against various risks associated with the operation of the Amorino store.

Failure to provide the declaration pages on time or to maintain the required insurance coverage allows Amorino to procure insurance on the franchisee's behalf, with the franchisee responsible for reimbursing Amorino for the premium costs. This underscores the importance of adhering to the insurance requirements outlined in the franchise agreement to avoid potential disruptions and additional expenses.