Can Amorino unilaterally modify the insurance requirements by delivering written notice?

According to Amorino's 2025 Franchise Disclosure Document, Amorino can unilaterally modify the insurance requirements for franchisees by providing written notice. These modifications may include increasing the minimum policy limits.

Item 22 details the franchisee's insurance obligations, stating that the franchisee must maintain insurance policies protecting Amorino and its affiliates against claims related to the operation of the store. These policies must be written by insurers licensed in the state where the franchised business is located and meet specific rating criteria. The policies must also name Amorino and its affiliates as additional insureds.

This unilateral modification clause means that Amorino franchisees must be prepared to adjust their insurance coverage and costs during the term of their franchise agreement. It is important for prospective franchisees to factor in potential future increases in insurance costs when evaluating the financial feasibility of the franchise. Franchisees should also maintain open communication with Amorino regarding any changes to insurance requirements and ensure they understand the implications of those changes.