What is the required coverage amount for Limited Pollution Coverage under the insurance requirements for an Anago franchise?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
, home address and telephone number within 10 days of the change. You release Us and Our officers, directors, stockholders, agents and legal successors and assigns from all causes of action, suits, debts, covenants, agreements, damages, judgments, claims and demands, in law or in equity, that You ever had, now have, or that You later may have from Our disclosure of Your name, home address and telephone number.
ARTICLE 9 - INSURANCE
SECTION 9.1 TYPES AND AMOUNTS OF COVERAGE.
You must obtain and maintain insurance, covering Your Anago Unit Franchise, at Your expense, as We require, in addition to all other insurance that may be required by applicable law, Your landlord, lender or otherwise. You are responsible for payment of all deductibles, should a claim arise. All policies must be written by an insurance company reasonably satisfactory to Us with a best rating of "A" or better, and must include at a minimum:
- (a) 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, and naming Us as an additional insured in each policy;
- (b) Workers' compensation insurance in acc
Source: Item 23 — RECEIPTS (FDD pages 62–298)
What This Means (2025 FDD)
Based on the 2025 FDD, the insurance requirements for an Anago franchise do not specifically list a required coverage amount for Limited Pollution Coverage. However, Anago requires franchisees to obtain and maintain various types of insurance coverage, including commercial general liability insurance ($1,000,000 per person/per occurrence with a $2,000,000 general aggregate), workers' compensation insurance (not less than $500,000 per employee), and automobile liability insurance ($100,000/$300,000). Additionally, Anago can require other insurance types and amounts for the franchisee's and Anago's protection. The policies must be written by an insurance company satisfactory to Anago with a "Best" rating of A or better.
Anago retains the right to periodically adjust the required coverage amounts and may require different or additional kinds of insurance at any time. This could include excess liability insurance, to reflect factors like inflation or the identification of new risks. These changes will be required throughout the Anago system, including company-owned units.
Given the absence of a specific mention of Limited Pollution Coverage, prospective Anago franchisees should directly inquire with Anago about whether this coverage is required, and if so, the necessary coverage amount. It is important to understand all insurance obligations to ensure full compliance and adequate protection for both the franchisee and Anago.