What specific coverage must the general liability insurance policy provide 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 are required to maintain comprehensive commercial general liability insurance with specific minimum coverage limits. The general aggregate coverage must be at least $2,000,000, with another $2,000,000 allocated for products and completed operations aggregate. Each occurrence must be covered up to $1,000,000, and personal and advertising injury also requires $1,000,000 coverage. Additionally, the policy must include $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 must also maintain other insurance policies, including property insurance, employer's liability coverage, business automobile liability coverage, workers' compensation insurance, and commercial umbrella coverage. The franchisor, Amorino, can modify these minimum coverage requirements, potentially increasing them to account for inflation or changing market conditions. Franchisees will receive written notice of any such changes.
It is important to note that Amorino and its affiliates must be named as additional insureds on a primary noncontributory basis to both the general liability and auto liability policies. The additional insured coverage must be provided on an Additional Insured Grantor of Franchise Endorsement form CG2029 or a comparable form acceptable to Amorino. Franchisees must also ensure that their insurance policies include a waiver of subrogation against Amorino. Franchisees must provide declaration pages from their insurance policies to Amorino, evidencing compliance with these insurance requirements, at least 30 days prior to the expiration of any policy.