Is an Anago franchisee required to be covered under the Anago National Insurance program, and for how long?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
You are required to be covered under the Anago National Insurance program for the entire Term. The insurance fee will be paid to us or our designee, which we will pay to the insurance company. Premiums for any such insurance plans may vary in different states and may change from year to year. The plans may be subject to change, modification, and/or cancellation. Future changes in premiums, types of coverage and other changes will be set forth in writing.
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. The insurance fee is paid to Anago or their designee, who then pays the insurance company.
The FDD also states that premiums for these insurance plans may vary by state and can change from year to year. Additionally, the specific insurance plans themselves are subject to change, modification, or cancellation. Anago commits to providing written notice of any future changes in premiums or coverage types.
This requirement ensures that all Anago franchisees maintain a baseline level of insurance coverage, which can protect both the franchisee and the Anago brand from potential liabilities. However, franchisees should be aware that insurance costs can fluctuate and that the terms of the insurance program are subject to change at Anago's discretion. Franchisees are also responsible for obtaining any additional insurance coverage required by law, landlords, or lenders.