What is the minimum medical expense limit required for comprehensive commercial general liability insurance 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 a minimum medical expense limit of $5,000 for any one person. This insurance coverage is a crucial part of protecting the business from potential financial liabilities due to accidents or injuries occurring on the premises.
This requirement means that an Amorino franchisee's insurance policy must cover at least $5,000 in medical expenses for any single individual injured at the franchise location. It is important to note that this is just one component of the overall commercial general liability insurance, which also includes coverage for general aggregate, products/completed operations aggregate, each occurrence, personal and advertising injury, and fire damage legal liability, each with its own specified minimum coverage amount.
Amorino retains the right to modify these insurance requirements, potentially increasing the minimum coverage limits to reflect changes in inflation or market conditions. Therefore, franchisees need to stay informed about any updates to these requirements to ensure they remain compliant and adequately protected. Maintaining the required insurance coverage is not only a contractual obligation but also a critical risk management strategy for Amorino franchisees.