For Atwell Suites franchises insured on policies with aggregate limits, how must the aggregate limit be applied?

According to Atwell Suites' 2025 Franchise Disclosure Document, if multiple locations are insured under a single insurance policy that contains an aggregate limit, that limit must be applied on a per-location basis. This requirement ensures that each Atwell Suites location has its own dedicated coverage amount within the overall policy limit.

For a prospective Atwell Suites franchisee, this means that the insurance coverage is structured to protect each individual hotel location adequately. Instead of a shared aggregate limit across all locations that could be quickly exhausted by a single major claim, each location has its own aggregate limit. This provides a more secure and predictable level of insurance protection for each Atwell Suites franchise.

This requirement is beneficial for franchisees as it reduces the risk of insufficient coverage in the event of multiple claims across different locations. It also aligns with standard insurance practices in the franchise industry, where individual business locations often require dedicated coverage limits to manage risks effectively. Franchisees should confirm with their insurance provider that the policy is structured to meet this per-location aggregate limit requirement.