Does Best Western strongly recommend that assault and battery, abuse and molestation, and human trafficking liability coverage be limited or excluded from the Commercial General Liability insurance?
Best_Western Franchise · 2025 FDDAnswer from 2025 FDD Document
s' compensation insurance, each in the amount set forth in the Regulatory Documents, currently as follows:
- Commercial General Liability: $6M General/Excess/Umbrella. We strongly recommend that assault and battery, abuse and molestation, and human trafficking liability coverage not be limited or excluded. Exposure to carbon monoxide may not be excluded and may not be limited to amounts less than the $6M.
- Automobile Liability: $1M coverage for owned, hired and non-owned automobiles.
- Cyber Security Liability: $1M
- Worker's Compensation: As required by law.
All required insurance must be with insurers having the minimum ratings we specify, name as additional insureds the parties we specify in the Regulatory Documents (to include us), and carry the endorsements and notice requirements we specify in the Regulatory Documents. Upon request, you shall provide us with certificates and such other documents that we request evidencing t
Source: Item 8 — Restrictions on Sources of Products and Services (FDD pages 61–64)
What This Means (2025 FDD)
According to Best Western's 2025 Franchise Disclosure Document, Best Western strongly recommends that assault and battery, abuse and molestation, and human trafficking liability coverage not be limited or excluded from the Commercial General Liability insurance. The minimum coverage required for Commercial General Liability is $6 million for General/Excess/Umbrella. Additionally, exposure to carbon monoxide may not be excluded and may not be limited to amounts less than the $6 million.
Best Western also mandates specific minimum coverage amounts for other types of insurance. Automobile Liability requires $1 million coverage for owned, hired, and non-owned automobiles. Cyber Security Liability also requires $1 million in coverage. Worker's Compensation insurance must be maintained as required by law.
All required insurance must be with insurers having the minimum ratings specified by Best Western. The insurance policies must name the parties specified in the Regulatory Documents, including Best Western, as additional insureds, and must carry the endorsements and notice requirements outlined in the Regulatory Documents. Franchisees are required to provide certificates and other documents upon request to evidence compliance with the insurance requirements.