According to Brain Balance's 2025 Franchise Disclosure Document, franchisees are required to maintain Comprehensive Commercial General Liability Insurance with a minimum coverage of $1,000,000 per occurrence. Additionally, the policy must have an aggregate coverage of $3,000,000, which includes Business Personal Property and Improvements and Betterments at suggested minimum amounts, though higher limits may be insured based on the center's needs. Franchisees must secure this insurance through Brain Balance's designated insurance broker.

This insurance requirement protects both the franchisee and the franchisor from potential financial losses due to accidents, injuries, or property damage that may occur at the Brain Balance center. Maintaining the required insurance coverage is not only a contractual obligation but also a critical aspect of risk management for the business. Failure to maintain the required insurance can result in the franchisor procuring insurance on the franchisee's behalf, with the franchisee responsible for reimbursing all costs, including premiums and administrative fees.

Furthermore, Brain Balance has the right to modify or increase the insurance limits during the term of the agreement to adapt to changes in experience, market conditions, and regulatory or legal changes. Franchisees must comply with these new standards. It is advisable for prospective Brain Balance franchisees to consult with an attorney, landlord, and insurance professional to determine if additional insurance coverage or amendments are necessary for their specific business circumstances.