What minimum combined single limit for comprehensive commercial general liability insurance is required for an Amorino franchise?
Amorino Franchise · 2025 FDDAnswer from 2025 FDD Document
least the types and minimum amounts of coverage specified below or as described within Amorino's written notice to you.
- (3) Such policies shall include, at the minimum, the following policies: (a) "all risk" or "special" property insurance covering all real and personal property and equipment on a replacement costs basis, including business interruption and extra expense insurance; (b) comprehensive commercial general liability insurance in an amount of not less than the following combined single limits: $2,000,000 general aggregate, $2,000,000 products/completed operations aggregate, $1,000,000 each occurrence, $1,000,000 personal and advertising injury, $50,000 fire damage legal liability, and $5,000 medical expense limit (any one person); (c) employers liability coverage in an amount not less than $500,000 per accident for bodily injury by accident, $500,000 policy limit for bodily injury by disease, and $500,000 per employee for bodily injury by disease; (d) business automobile liability coverage, including coverage of owned, non-owned, rented or hired vehicles with coverage in amounts not less than $1,000,000 combined single limit; (e) workers' compensation insurance for statutory limits, and (f) commercial umbrella coverage in an
Source: Item 22 — CONTRACTS (FDD pages 80–81)
What This Means (2025 FDD)
According to Amorino's 2025 Franchise Disclosure Document, franchisees must maintain comprehensive commercial general liability insurance with specific minimum coverage limits. The policy must include $2,000,000 for general aggregate, $2,000,000 for products/completed operations aggregate, $1,000,000 for each occurrence, $1,000,000 for personal and advertising injury, $50,000 for fire damage legal liability, and a $5,000 medical expense limit for any one person.
In addition to the commercial general liability insurance, Amorino franchisees are required to maintain other insurance policies, including property insurance, employer's liability coverage, business automobile liability coverage, workers' compensation insurance, and commercial umbrella coverage. The business automobile liability coverage must have a minimum combined single limit of $1,000,000. The commercial umbrella coverage must have a minimum of $4,000,000 each occurrence (bodily injury and property damage) and $4,000,000 general aggregate.
Amorino retains the right to modify these minimum insurance coverage requirements, potentially increasing them to reflect inflation or changing market conditions. They will provide written notice of any such changes to the franchisee. Franchisees must also ensure that their insurance policies include a waiver of subrogation against Amorino. It is important for prospective franchisees to factor these insurance costs into their overall investment and operating expenses.