For how long must an Augusta Lawn Care franchisee maintain the required insurance policies?
Augusta_Lawn_Care Franchise · 2025 FDDAnswer from 2025 FDD Document
You shall procure, prior to the commencement of any activities or operations under this Agreement, and shall maintain in full force and effect at all times during the term of this Agreement (and for such period thereafter as is necessary to provide the coverages required hereunder for events having occurred during the term of this Agreement), at Your expense, an insurance policy or policies protecting You, Augusta Lawn Care, and their respective officers, directors, partners, agents and employees against any demand or claim with respect to personal injury, death or property damage, business interruption, or any loss, liability or expense whatsoever arising or occurring upon or in connection with the Business, including, but not limited to, comprehensive general liability insurance, property insurance (including, but not limited to, fire, vandalism, and malicious mischief insurance for the replacement value of the Augusta Lawn Care Business and its contents), casualty insurance, business interruption insurance, statutory workers' compensation insurance, employer's liability insurance, product liability insurance, and automobile insurance coverage for all vehicles used in connection with the operation of Business, if applicable. Such policy or policies shall be written by a responsible carrier or carriers acceptable to Augusta Lawn Care, shall name Augusta Lawn Care and its subsidiaries and affiliates as additional insureds, shall provide for Augusta Lawn Care to receive notice upon cancellation or any event of default, including non-payment, and shall provide at least the types and minimum amounts of coverage specified in the Manual. Augusta Lawn Care shall have the right, from time-to-time, to make such changes in minimum policy limits and endorsements in the Manual or otherwise in writing as it may determine in its reasonable discretion.
Source: Item 23 — RECEIPTS (FDD pages 44–184)
What This Means (2025 FDD)
According to Augusta Lawn Care's 2025 Franchise Disclosure Document, franchisees must maintain the required insurance policies in full force and effect at all times during the term of the Franchise Agreement. This obligation extends beyond the agreement's term for a period necessary to cover any events that occurred during the term.
This means an Augusta Lawn Care franchisee is responsible for ensuring continuous insurance coverage throughout their operation. The insurance must cover potential claims related to personal injury, death, property damage, business interruption, or any loss connected to the business. The policy must include comprehensive general liability insurance, property insurance, casualty insurance, business interruption insurance, statutory workers' compensation insurance, employer's liability insurance, product liability insurance, and automobile insurance coverage for all vehicles used in connection with the operation of Business, if applicable.
Augusta Lawn Care has the right to modify the minimum policy limits and endorsements. The franchisee's insurance obligations are not limited by any insurance Augusta Lawn Care may maintain, nor does it relieve the franchisee of liability under the indemnity provisions of the agreement. Franchisees must also provide Augusta Lawn Care with certificates of insurance prior to commencing operations and at least 30 days before any policy's expiration. This ensures Augusta Lawn Care is always aware of the franchisee's coverage status and has time to address any lapses or changes in coverage.