factual

What is the minimum each occurrence limit required for comprehensive commercial general liability insurance for an Amorino franchise?

Amorino Franchise · 2025 FDD

Answer 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. The policy must have a minimum of $1,000,000 for each occurrence.

In addition to the each occurrence limit, the commercial general liability insurance must include $2,000,000 general aggregate, $2,000,000 products/completed operations aggregate, $1,000,000 personal and advertising injury, $50,000 fire damage legal liability, and $5,000 medical expense limit (any one person).

Amorino may modify the minimum coverage requirements, potentially increasing them to reflect inflation or market conditions. Franchisees are also required to secure commercial umbrella coverage of not less than $4,000,000 each occurrence and $4,000,000 general aggregate. Franchisees must ensure their insurance policies include a waiver of subrogation against Amorino.

Disclaimer: This information is extracted from the 2025 Franchise Disclosure Document and is provided for research purposes only. It does not constitute legal or financial advice. Consult with a franchise attorney before making any investment decisions.