Does Anago's insurance coverage limit my obligation to maintain the required insurance policies?

According to Anago's 2025 Franchise Disclosure Document, your obligation to maintain the required insurance policies is not limited by any insurance that Anago maintains. Anago's performance of your insurance obligations also does not relieve you of liability under the indemnity provisions in the Franchise Agreement. This means that even if Anago has its own insurance coverage, you are still fully responsible for maintaining the insurance policies required in your agreement and for any liabilities that may arise.

Anago requires franchisees to obtain and maintain insurance coverage for their Anago Unit Franchise at their own expense. This includes commercial general liability insurance and completed operations coverage in the amount of $1,000,000 per person/per occurrence for bodily injury and property damage combined with a general aggregate of $2,000,000, workers' compensation insurance of not less than $500,000 for each employee, and automobile liability insurance with primary and excess limits of at least $100,000/$300,000. A surety bond of $50,000 is also required.

If a franchisee fails to maintain the required insurance, Anago has the right, but not the obligation, to procure the insurance and charge the franchisee for the cost, plus interest at the maximum rate permitted by law, and a reasonable fee for expenses. Franchisees are responsible for payment of all deductibles should a claim arise. All policies must be written by an insurance company reasonably satisfactory to Anago with a best rating of "A" or better, and must include Anago as an additional insured.