When must a Benjamin Franklin Plumbing franchisee provide certificates of insurance demonstrating they have obtained all required insurance policies?

According to the 2025 Benjamin Franklin Plumbing Franchise Disclosure Document, a franchisee must provide certificates of insurance demonstrating they have obtained all required insurance policies prior to opening their Franchised Business. These certificates serve as proof that the franchisee has secured the necessary coverage to operate.

Furthermore, the franchisee must furnish evidence of renewal or replacement insurance at least 30 days before the expiration of a policy. This ensures continuous coverage and compliance with Benjamin Franklin Plumbing's insurance requirements. Failure to maintain the required insurance coverage allows Benjamin Franklin Plumbing the right, but not the obligation, to obtain insurance on the franchisee's behalf, with the franchisee responsible for reimbursing the cost of insurance plus a reasonable fee for the service.

The insurance policies must be written by a carrier with an industry rating acceptable to Benjamin Franklin Plumbing. The policies must name Benjamin Franklin Plumbing, AB Inc., and their related entities and personnel as additional insureds. Additionally, the policies should not have unacceptable deductibles, exclusions, or co-insurance. All public liability and property damage policies must include a waiver by the insurance company of subrogation rights against Benjamin Franklin Plumbing and its affiliates.