Is the Best Western insurance policy supplementary or excess insurance for the Member?

According to Best Western's 2025 Franchise Disclosure Document, the insurance a Best Western Member obtains is primary in all cases. Any other insurance maintained by Best Western is solely for Best Western's protection and is not supplementary or excess insurance for the Member. This means that in the event of a claim, the Member's insurance policy will be the first one used to cover any losses or liabilities.

This requirement ensures that Best Western franchisees maintain adequate insurance coverage to protect their business and cover potential liabilities. It also clarifies that Best Western's insurance policies do not provide additional coverage for the franchisee. The franchisee is responsible for ensuring they have sufficient insurance to meet the brand's requirements and to protect their own interests.

Prospective franchisees should carefully review the insurance requirements outlined in the FDD and consult with an insurance professional to ensure they obtain the necessary coverage. Understanding the primary nature of the Member's insurance is crucial for managing risk and ensuring adequate protection for the Best Western franchise.