During the term of the Amorino agreement, who must the franchisee's insurance policy protect?

According to Amorino's 2025 Franchise Disclosure Document, franchisees are required to maintain insurance policies that protect multiple parties. Specifically, the insurance must cover the franchisee, Amorino and its affiliates, as well as their respective partners, shareholders, directors, agents, and employees. This broad coverage extends to any demands or claims related to personal and bodily injury, death, property damage, or any loss, liability, or expense that arises from the operation of the Amorino store and franchised business.

This requirement means that franchisees must secure comprehensive insurance coverage that not only safeguards their own business interests but also protects Amorino and its related parties from potential liabilities. The policy must be in effect at all times during the term of the franchise agreement and be paid for by the franchisee.

Furthermore, the insurance policy must be written by insurers licensed and admitted to write coverage in the state where the franchised business is located, and the insurer must have a rating of "A" or better according to Best's Key Rating Guide. Amorino and its affiliates must be named as additional insureds on a primary noncontributory basis on 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 endorsement form acceptable to Amorino. Franchisees must also ensure that their policies comply with Amorino's written requirements and provide at least the types and minimum amounts of coverage specified by Amorino.