What kind of insurance policies does Beyond Juicery Eatery require franchisees to procure?
Beyond_Juicery_Eatery Franchise · 2025 FDDAnswer from 2025 FDD Document
regional or territory-specific user names/handles to be maintained by you. You must adhere to the social media policies established by us and you must ensure all of your employees adhere to such policies as well. We reserve the right to require you to remove any post or other content from your personal social media accounts and pages.
10. INSURANCE
- 10.01 At this time, you must obtain insurance that meets the following minimum requirements. You are reminded that the requirement that you meet these minimum standards in no way limits your liability for claims or suits in excess of these limits or claims or suits outside of the scope of the listed coverage:
- A. Comprehensive General Liability Insurance including premises liability, products liability, and contractual liability coverage for bodily injury and property damage, and liquor liability insurance for an amount not less than $1,000,000 per occurrence with $2,000,000 aggregate. Coverage will also extend to cover personal/advertising liability for an amount not less than $1,000,000 per occurrence. You must include Beyond Juicery + Eatery Franchising, LLC at the address listed in this Agreement as an additional named insured to protect us from any liability by reason of ownership, maintenance, or operation by you of your Restaurant.
- B. Owned, Non-Owned and Hired Automobile Liability Insurance for an amount not less than $1,500,000 combined single limit.
- C. Workers' Compensation Insurance as required by law; Employers' Liability Insurance for amounts not less than $500,000 per accident, $500,000 per employee, and $500,000 policy limit.
- D. Umbrella liability coverage in an additional $2,000,000 per occurrence/aggregate. The umbrella coverage must sit over the General Liability, Auto Liability and Employers Liability policies. You must include Beyond Juicery + Eatery Franchising, LLC at the address listed in this Agreement as an additional named insured to protect us from any liability by reason of ownership, maintenance, or operation by you of your Restaurant.
- E. Building, Personal Property, and Leasehold Improvements Insurance if applicable, under an "all risk" property form with replacement costs endorsement in an amount equal to 100% of the values of these items. Your deductible shall be no more than $10,000 per occurrence.
- F. Business Interruption Insurance covering royalty and Marketing Fee
Source: Item 23 — RECEIPTS (FDD pages 60–337)
What This Means (2025 FDD)
According to Beyond Juicery Eatery's 2025 Franchise Disclosure Document, franchisees must obtain several insurance policies with specific minimum coverage amounts. These include Comprehensive General Liability Insurance with coverage of at least $1,000,000 per occurrence and $2,000,000 in aggregate, which also extends to personal/advertising liability for at least $1,000,000 per occurrence. Franchisees must also secure Owned, Non-Owned, and Hired Automobile Liability Insurance with a minimum of $1,500,000 combined single limit.
Beyond Juicery Eatery franchisees are also required to carry Workers' Compensation Insurance as mandated by law, along with Employers' Liability Insurance at $500,000 per accident, $500,000 per employee, and a $500,000 policy limit. Additionally, an umbrella liability coverage of $2,000,000 per occurrence/aggregate is necessary, sitting over the General Liability, Auto Liability, and Employers Liability policies. If applicable, franchisees need Building, Personal Property, and Leasehold Improvements Insurance under an "all risk" property form with replacement costs endorsement, covering 100% of the value of these items, with a deductible no higher than $10,000 per occurrence.
Finally, Beyond Juicery Eatery requires Business Interruption Insurance covering royalty and Marketing Fee payments to Beyond Juicery + Eatery Franchising, LLC and earnings on an "actual loss sustained basis" for a minimum of twelve (12) months. If "actual loss sustained" coverage isn't available, franchisees must obtain Business Insurance (and extra expense) coverage that includes the equivalent of net income before taxes. Franchisees must include Beyond Juicery + Eatery Franchising, LLC as an additional named insured on the Comprehensive General Liability and Umbrella Liability policies. All insurance must be obtained from a reputable company with an A.M. Best rating of "A-" or higher.