Under what condition can an Anago franchisee participate in the Anago insurance program?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
SECTION 9.7 GROUP INSURANCE.
If We make available to You insurance coverage through group or master policies We arrange including property and casualty, workers' compensation, liability and health, life and/or disability insurance, You may participate, at Your expense, in this group insurance program. We may charge a reasonable fee for administering any group insurance program. Our insurance will not cover any losses incurred by Your operations outside the Anago System, which work will be done at Your sole risk. All work done by You outside the Anago System is done solely at Your risk.
Source: Item 23 — RECEIPTS (FDD pages 62–298)
What This Means (2025 FDD)
According to Anago's 2025 Franchise Disclosure Document, if Anago makes insurance coverage available through group or master policies, franchisees may participate in this group insurance program at their own expense. These policies can include property and casualty, workers' compensation, liability, and health, life, and/or disability insurance. Anago may also charge a reasonable fee for administering any group insurance program.
However, Anago's insurance will not cover any losses incurred by a franchisee's operations outside the Anago system. Any work done outside of the Anago system is done solely at the franchisee's own risk.
It is important for prospective franchisees to understand that participation in the group insurance program is optional but comes at their own expense, and it only covers operations within the Anago system. Franchisees should evaluate whether the coverage and cost of the group insurance program are competitive and adequate for their needs, considering the risks associated with operating both within and outside the Anago system.