What specific coverages must be included in the commercial general liability insurance for an Angry Chickz franchise?

According to Angry Chickz's 2025 Franchise Disclosure Document, franchisees must obtain and maintain commercial general liability insurance. This insurance must be written on an occurrence basis and extended to include contractual liability, products and completed operations, and personal and advertising injury, including full assault and battery coverage. The combined bodily injury and property damage limit must be at least $2,000,000 in the aggregate and $1,000,000 per occurrence.

In addition to commercial general liability insurance, Angry Chickz franchisees are required to maintain other types of insurance, such as statutory workers' compensation, commercial umbrella liability insurance, property insurance, comprehensive automobile liability insurance, data theft and cybersecurity coverage, and employment practices liability insurance. The specific coverage amounts and terms for these other insurance types are also detailed in the FDD.

It is important for prospective Angry Chickz franchisees to carefully review the insurance requirements outlined in the FDD and consult with an insurance professional to ensure they obtain adequate coverage. Franchisees must also ensure that any contractors and subcontractors they engage carry the same amount or greater coverage and name Angry Chickz and the franchisee as additional insured parties. All insurance policies must name Angry Chickz as an additional named insured and be issued by a company with a minimum A.M. Best's rating of A- at policy inception.