What are the minimum general liability insurance coverage requirements for a Ben Jerrys franchise, including the general aggregate, products/completed operations aggregate, personal & advertising injury, each occurrence, fire damage, and medical expense?
Ben_Jerrys Franchise · 2025 FDDAnswer from 2025 FDD Document
pecified in the Manual as modified by us. Prior to the opening of your Shop, and on an annual basis thereafter, you must provide to us Certificates of Insurance showing the proper types and minimum amounts of coverage.
At the time of this Disclosure Document, we require the following types and minimum amounts of coverage:
Type of Coverage Minimum Insurance Required
General Liability $2,000,000 general aggregate
$2,000,000 products/completed operations aggregate
$2,000,000 personal & advertising injury
$2,000,000 each occurrence
$50,000 fire damage $10,000 medical expense
Worker's Compensation $500,000/$500,000/$500,000
Note that if you operate
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 37–41)
What This Means (2025 FDD)
According to Ben Jerrys's 2025 Franchise Disclosure Document, franchisees must maintain specific minimum insurance coverage throughout the term of their Franchise Agreement. This insurance protects both the franchisee and Ben Jerrys against claims related to personal injury, death, property damage, or any other liabilities arising from the shop's operation. These policies must be written by carriers acceptable to Ben Jerrys, and Ben Jerrys and its affiliates must be named as additional insured parties. Franchisees must provide Certificates of Insurance to Ben Jerrys before opening their shop and annually thereafter.
The minimum general liability insurance coverage required includes a $2,000,000 general aggregate, a $2,000,000 products/completed operations aggregate, $2,000,000 personal & advertising injury coverage, and $2,000,000 for each occurrence. Additionally, the policy must cover $50,000 for fire damage and $10,000 for medical expenses. Franchisees are also required to carry worker's compensation insurance at $500,000/$500,000/$500,000.
It is important to note that if a franchisee operates an Authorized Warehouse, they will be required to carry additional insurance in amounts designated by Ben Jerrys for Off-Premises Activities and Mobile Vending, as well as for any associated vehicles. This highlights the importance of understanding all operational aspects of the franchise and their corresponding insurance requirements. The franchisor can modify the insurance coverage amounts specified in the manual.