For a Body20 franchise, is 'Sexual Abuse and Molestation' coverage included or excluded from the insurance requirements?
Body20 Franchise · 2025 FDDAnswer from 2025 FDD Document
the types of insurance and the minimum policy limits specified in the Manuals. Currently, we require you to obtain and maintain:
Comprehensive General Liability and Professional Liability Insurance. You must maintain comprehensive general liability and professional liability insurance with the following minimum limits:
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- Each Occurrence: $1,000,000
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- General Aggregate: $5,000,000 (per Studio)
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- Products Completed Operations Aggregate: $5,000,000
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- Personal and Advertising Injury: $1,000,000
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- Participant Legal Liability: $1,000,000
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- Professional Liability: $1,000,000
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- Damage to Premises Rented to You: $1,000,000
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- Employee Benefits Liability (each employee): $1,000,000
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- Employee Benefits Liability (
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 32–37)
What This Means (2025 FDD)
According to Body20's 2025 Franchise Disclosure Document, Sexual Abuse and Molestation coverage is included, not excluded, in the comprehensive general liability and professional liability insurance requirements. The FDD specifies that franchisees must maintain this insurance coverage as part of their overall liability protection.
This inclusion means that Body20 franchisees are required to have insurance that specifically covers potential claims arising from sexual abuse or molestation incidents. This type of coverage is crucial for businesses in the fitness industry, where there is close physical interaction between trainers and clients. The policy helps protect the franchisee from significant financial losses associated with legal defense costs and potential settlements or judgments.
The specific amount of coverage required for Sexual Abuse and Molestation is not detailed in this section, but it is listed alongside other liability coverage amounts, such as $1,000,000 for each occurrence under the general liability policy. Prospective franchisees should confirm the exact coverage amount required for Sexual Abuse and Molestation with Body20 and their insurance provider to ensure they meet the franchisor's requirements and adequately protect their business. Failing to maintain the required insurance coverage could result in a breach of the franchise agreement.