Who must be named as additional insureds on Bee Organized franchisees' insurance policies?

According to Bee Organized's 2025 Franchise Disclosure Document, franchisees are required to secure specific insurance coverage and name certain parties as additional insureds on those policies. Specifically, Bee Organized, along with its officers, directors, shareholders, partners, agents, representatives, and independent contractors, must be listed as additional insureds on all insurance policies, excluding workers' compensation.

This requirement ensures that Bee Organized and its affiliates are protected from potential liabilities arising from the franchisee's operations. It's a common practice in franchising to safeguard the brand and the franchisor's interests. The insurance policies must be written by a responsible carrier, reasonably acceptable to Bee Organized, and include a provision that the insurance carrier must provide Bee Organized with no less than 30 days' prior written notice in the event of a material alteration to, or cancellation of, any insurance policy.

Furthermore, franchisees must furnish a certificate of insurance to Bee Organized at the earlier of 90 days after the Effective Date of the Franchise Agreement or prior to the commencement of their initial training program. The insurance coverage must be at least as comprehensive as the minimum requirements set forth in the Franchise Agreement. Franchisees are advised to consult with their insurance carrier representative to determine the level of coverage necessary for their Franchised Business, as higher exposures may require higher limits.

Bee Organized mandates several specific insurance requirements, including coverage against direct physical loss or damage to real and personal property, comprehensive general liability insurance with a combined limit of at least $1,000,000 per occurrence and $2,000,000 in the aggregate, statutory workers' compensation insurance with a limit of at least $1,000,000, employer's liability insurance with specific limits, business automobile insurance with a combined single limit of at least $1,000,000 per occurrence, business interruption insurance equal to 12 months of net income and continuing expenses, commercial umbrella liability insurance with a total limit of at least $2,500,000, cyber insurance in the amount of at least $1,000,000, and employment practices liability insurance with a limit of at least $1,000,000. Franchisees must also maintain any other insurance required in the Manuals or by law or lease for the Franchised Business.