Can Amorino unilaterally modify the minimum insurance coverage requirements?

According to Amorino's 2025 Franchise Disclosure Document, Amorino has the right to unilaterally modify the minimum insurance coverage requirements for franchisees. These modifications may include increasing the minimum policy limits. Amorino will provide written notice to the franchisee of any such changes.

Amorino requires franchisees to maintain insurance policies that protect the franchisee, Amorino, and its affiliates against claims related to personal injury, death, property damage, loss, liability, or expense arising from the operation of the store. The insurance policies must be written by insurers licensed and admitted to write coverage in the state where the franchised business is located, with a rating of "A" or better. Amorino and its affiliates must be named as additional insureds on a primary noncontributory basis on the general liability and auto liability policies.

The insurance policies must comply with Amorino's written requirements at the time the policies are obtained and provide at least the types and minimum amounts of coverage specified or as described within Amorino's written notice. The franchisee is obligated to obtain and maintain insurance and this obligation is not limited by any insurance maintained by Amorino. The franchisee must provide declaration pages from their insurance policy evidencing compliance with the insurance requirements to Amorino at least 30 days prior to the expiration of any policy.

If a franchisee fails to procure or maintain the minimum insurance requirements, Amorino has the right, but not the obligation, to procure such insurance on the franchisee's behalf, and the franchisee must reimburse Amorino for the cost of the premium upon demand. Each year Amorino may unilaterally modify the insurance minimum coverage requirements which may include an increase to the minimum coverage requirements to reflect changes in inflation or as market conditions warrant.