According to Brain Balance's 2025 Franchise Disclosure Document, franchisees must secure Comprehensive Commercial General Liability Insurance with a minimum of $1,000,000 per occurrence and $3,000,000 in the aggregate. This insurance must cover Business Personal Property and Improvements and Betterments at suggested minimum amounts, though higher limits may be necessary based on the specific needs of the Brain Balance center.

In addition to the general liability coverage, Brain Balance franchisees are also required to maintain Professional Liability coverage, including education services, with limits of $1,000,000 per occurrence and $3,000,000 in the aggregate. The FDD emphasizes that these insurance coverage requirements are minimums, and franchisees should consult with professionals to determine if additional coverage is necessary.

Brain Balance also stipulates that, unless prohibited by law, franchisees must obtain their insurance through the broker designated by Brain Balance. The franchisor retains the right to modify or increase the required insurance limits during the term of the franchise agreement to reflect changes in experience, market conditions, or regulatory and legal changes. Franchisees are obligated to comply with these updated standards. Failing to maintain the required insurance coverage can result in Brain Balance procuring the insurance on behalf of the franchisee, with the franchisee responsible for all associated costs, including premiums and administrative fees. Failure to reimburse Brain Balance for these costs can be considered a default of the Franchise Agreement.