Are Amorino franchisees required to have their insurers waive their rights of subrogation against Amorino?

According to Amorino's 2025 Franchise Disclosure Document, franchisees are required to ensure that their insurance policies include a waiver of subrogation against Amorino. This means that if Amorino is responsible for a loss covered by the franchisee's insurance, the insurance company cannot sue Amorino to recover the amount they paid out on the claim.

This requirement is tied to the insurance policies that franchisees must maintain. These policies include "all risk" or "special" property insurance, comprehensive commercial general liability insurance with limits such as $2,000,000 general aggregate and $1,000,000 each occurrence, employer's liability coverage of $500,000 per accident, business automobile liability coverage of $1,000,000 combined single limit, worker's compensation insurance for statutory limits, and commercial umbrella coverage of $4,000,000 each occurrence and general aggregate.

The waiver of subrogation protects Amorino from potential lawsuits by the franchisee's insurance company, shifting the risk to the franchisee's insurer. Franchisees must provide evidence of this waiver to Amorino. Amorino also retains the right to modify these insurance requirements, including increasing minimum coverage, with written notice to the franchisee. Failure to comply with these insurance requirements allows Amorino to procure insurance on behalf of the franchisee, with the franchisee responsible for reimbursing the premium cost.