For Brightstar Care franchisees with annual revenue between $0 and $5,000,000, what is the minimum aggregate professional liability insurance coverage required per policy year?

According to Brightstar Care's 2025 Franchise Disclosure Document, franchisees with annual revenue between $0 and $5,000,000 must maintain professional liability insurance on an occurrence basis with a separate limit of not less than $1,000,000 per occurrence and $3,000,000 in the aggregate per policy year. This coverage must be in place from the opening date and maintained throughout the initial term of the franchise agreement.

Brightstar Care requires this insurance to protect both the franchisee and the franchisor from potential liabilities arising from professional services rendered. The policy must name BrightStar Group Holdings, Inc., Brightstar Care and its subsidiaries, officers, directors, and employees as additional insureds. This ensures that the franchisor is also protected under the franchisee's insurance policy.

The cost of procuring and maintaining this insurance is the responsibility of the franchisee. Franchisees should factor in the cost of insurance, including potential increases as revenue grows, when evaluating the financial feasibility of the Brightstar Care franchise. Franchisees should consult with an insurance broker to obtain appropriate coverage that meets Brightstar Care's requirements and adequately protects their business.