What waiver must the insurance policy contain in favor of Amorino and its Affiliates?
Amorino Franchise · 2025 FDDAnswer from 2025 FDD Document
During construction, you must maintain general liability and property damage insurance of the type and with the limits Amorino requires, which insurance must protect you, Amorino, and its Affiliates, as additional insureds under the policy, provides contractual indemnification coverage, and your and their respective partners, members, shareholders, directors, managers, officers, agents, and employees.
Such policy or policies shall be written by an insurer or insurers acceptable to Amorino and shall contain a waiver of subrogation in favor of Amorino and its Affiliates, and their respective partners, members, shareholders, directors, managers, officers, agents, and employees.
Declaration pages for such
Source: Item 22 — CONTRACTS (FDD pages 80–81)
What This Means (2025 FDD)
According to Amorino's 2025 Franchise Disclosure Document, the insurance policy must contain a waiver of subrogation in favor of Amorino and its Affiliates, including their respective partners, members, shareholders, directors, managers, officers, agents, and employees. This waiver means that the insurance company will not have the right to pursue Amorino or its affiliates to recover any payments made on a claim.
This requirement is included in the insurance obligations outlined in the franchise agreement. During construction, the franchisee is required to maintain general liability and property damage insurance that protects the franchisee, Amorino, and its Affiliates as additional insureds.
The policy must also provide contractual indemnification coverage. Declaration pages for the insurance policy, evidencing the required coverage and waiver, must be provided to Amorino before construction begins. This ensures that Amorino and its Affiliates are protected from potential liabilities arising from the franchisee's operations.