What is the minimum required amount for personal and advertising injury coverage under the comprehensive commercial general liability insurance for an Amorino franchise?
Amorino Franchise · 2025 FDDAnswer from 2025 FDD Document
is located and with a rating of "A" or better.
Such insurance 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 amount of not less than $4,000,000 each occurrence (bodily injury and pr
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 32–36)
What This Means (2025 FDD)
According to Amorino's 2025 Franchise Disclosure Document, franchisees must maintain comprehensive commercial general liability insurance. This insurance must include a minimum of $1,000,000 for personal and advertising injury coverage.
In addition to the personal and advertising injury coverage, the comprehensive commercial general liability insurance policy must include $2,000,000 for the general aggregate, $2,000,000 for products/completed operations aggregate, $1,000,000 for each occurrence, $50,000 for fire damage legal liability, and a $5,000 medical expense limit for any one person.
Amorino also requires franchisees to secure other insurance policies, including 'all risk' or 'special' property insurance, employer's liability coverage, business automobile liability coverage, workers' compensation insurance, and commercial umbrella coverage. The franchisor may modify the minimum coverage requirements each year, potentially increasing the required coverage amounts to reflect inflation or changing market conditions. Franchisees must provide certificates of insurance to Amorino at least 30 days before the expiration of any policy.