What combined single limit is required for commercial general casualty and general liability insurance under the Anago National Insurance program?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
f coverage and other changes will be set forth in writing.
Currently, our policy or policies are written by a licensed insurance company and include commercial general casualty insurance and general liability insurance, including products liability, property damage, owned and non-owned motor vehicle coverage, and personal injury coverage with a combined single limit of $1,000,000, with an umbrella policy of $2,000,000, an "Errors and Omissions" policy with $1,000,000 coverage, as well as workers' compensation insurance. You must separately obtain and maintain any other insurance that may be required by applicable law, your landlord, lender or otherwise.
If the Unit Franchisees in your Area do not elect to purchase insurance coverage through you, you must require them to maintain insurance in the amounts and limits as we require, at their sole cost and expense. The policies must be written by an insurance company, reasonab
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 23–26)
What This Means (2025 FDD)
According to Anago's 2025 Franchise Disclosure Document, franchisees are required to be covered under the Anago National Insurance program for the entire term of their agreement. This program includes commercial general casualty and general liability insurance, including products liability, property damage, owned and non-owned motor vehicle coverage, and personal injury coverage. The policy has a combined single limit of $1,000,000. Additionally, the program includes an umbrella policy of $2,000,000 and an "Errors and Omissions" policy with $1,000,000 coverage, as well as workers' compensation insurance.
Anago franchisees must also obtain and maintain any other insurance required by applicable law, their landlord, or lender. If Unit Franchisees in an Area do not purchase insurance coverage through the Subfranchisor, the Subfranchisor must ensure they maintain insurance in the required amounts and limits. These policies must be written by an insurance company satisfactory to Anago, with a Best rating of "A" or better.
The insurance fee is paid to Anago or its designee, who then pays the insurance company. Premiums may vary by state and change from year to year, and the plans themselves are subject to change, modification, or cancellation. Anago will provide written notice of future changes in premiums or coverage types.