Is Sexual Abuse and Molestation coverage required or excluded in the Bft franchisee's insurance policy?

According to Bft's 2025 Franchise Disclosure Document, Sexual Abuse and Molestation coverage is explicitly required and must be included (not excluded) in the franchisee's insurance policy. This requirement is part of the minimum insurance coverages that Bft franchisees must maintain throughout the term of the franchise agreement.

In addition to Sexual Abuse and Molestation coverage, the insurance policy must include coverage for contractual liability, products-completed operations, personal and advertising injury, premises liability, third-party property damage, and bodily injury liability (including death). The inclusion of Sexual Abuse and Molestation coverage indicates Bft's emphasis on protecting members and employees, and mitigating risks associated with potential incidents.

This requirement ensures that Bft franchisees have adequate financial protection against potential claims related to sexual abuse and molestation, which can be particularly important in a fitness studio environment where there is close physical interaction between instructors and members. Prospective franchisees should factor in the cost of this specialized insurance coverage when evaluating the overall financial investment required to start and operate a Bft franchise.