What liability policies must list Beef O Bradys as an additional insured?

According to Beef O Bradys's 2025 Franchise Disclosure Document, franchisees are required to name Beef O Bradys as additional insureds on all insurance policies they obtain and maintain.

This requirement ensures that Beef O Bradys is protected under the franchisee's insurance coverage in the event of any claims. This is a common practice in franchising, as it provides an added layer of security for the franchisor against potential liabilities arising from the franchisee's operations.

The FDD also states that all insurance policies must contain no provision which in any way limits or reduces coverage for Beef O Bradys in the event of any claim by Beef O Bradys or any of its affiliates, directors, officers or agents and extend to provide indemnity for all obligations assumed by the franchisee under the Franchise Agreement and all items for which the franchisee is required to indemnify Beef O Bradys under the provisions of this Agreement or otherwise. Additionally, the policies must contain a waiver of the insurance company's right of subrogation against Beef O Bradys and provide that the coverage afforded applies separately to each insured against whom a claim is brought as though a separate policy had been issued to each insured.

Finally, the insurance company must provide Beef O Bradys with at least thirty (30) days' prior written notice of termination, expiration, cancellation or material modification of any policy.