What employer's liability limits are required for Bft's workers compensation insurance for disease policy limit?
Bft Franchise · 2025 FDDAnswer from 2025 FDD Document
is requirement only applies to the extent that owned, leased or hired/rented vehicles are used in the operation of the Franchise.
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- Workers Compensation insurance covering all of your employees with statutory coverage and limits as required by state law. Such insurance shall include coverage for Employer'
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 32–36)
What This Means (2025 FDD)
According to Bft's 2025 Franchise Disclosure Document, franchisees are required to maintain specific insurance coverages, including workers' compensation. The workers' compensation insurance must cover all employees with statutory coverage and limits as required by state law.
Specifically, the employer's liability coverage within the workers' compensation policy must include a limit of not less than $500,000 for disease per policy limit. This means that the insurance policy must provide coverage up to $500,000 for all claims related to employee diseases covered under the policy.
It is important for prospective Bft franchisees to understand these insurance requirements, as they are mandatory and must be maintained at the franchisee's sole expense. Failing to maintain the required insurance coverage could result in a breach of the franchise agreement and potential penalties. Franchisees should consult with qualified insurance professionals to ensure they obtain the appropriate coverage and limits to meet Bft's requirements and comply with state law.