Who must the general liability and property damage insurance protect, as additional insureds, for an Amorino franchise?
Amorino Franchise · 2025 FDDAnswer from 2025 FDD Document
During construction, you must maintain general liability and property damage insurance of the type and with the limits Amorino requires, which insurance must protect you, Amorino, and its Affiliates, as additional insureds under the policy, provides contractual indemnification coverage, and your and their respective partners, members, shareholders, directors, managers, officers, agents, and employees.
Such policy or policies shall be written by an insurer or insurers acceptable to Amorino and shall contain a waiver of subrogation in favor of Amorino and its Affiliates, and their respective partners, members, shareholders, directors, managers, officers, agents, and employees.
Declaration pages for such
Source: Item 22 — CONTRACTS (FDD pages 80–81)
What This Means (2025 FDD)
According to Amorino's 2025 Franchise Disclosure Document, during construction, the general liability and property damage insurance must protect you (the franchisee), Amorino, and its Affiliates as additional insureds under the policy. This insurance policy also provides contractual indemnification coverage, extending protection to your and their respective partners, members, shareholders, directors, managers, officers, agents, and employees.
This requirement ensures that multiple parties are protected in case of any liabilities or damages that may occur during the construction phase of the Amorino franchise. By including Amorino and its affiliates as additional insureds, the franchisee's insurance policy will cover potential claims against these entities, reducing their financial risk.
The policy must be written by an insurer acceptable to Amorino and include a waiver of subrogation in favor of Amorino, its Affiliates, and their respective partners, members, shareholders, directors, managers, officers, agents, and employees. Declaration pages for the policy must be provided to Amorino before construction begins, demonstrating proof of coverage and compliance with these requirements.