What is the minimum umbrella liability limit required for Brightstar Care franchisees?
Brightstar_Care Franchise · 2025 FDDAnswer from 2025 FDD Document
ured for $300,000.
- (f) An umbrella with a minimum $1,000,000 limit excess over the professional, general, auto, and employer's liability (part of Work Comp).
- (g) Cyber-liability under the following annual revenue tiers with a:
- (1) $500,000 minimum limit responding to unauthorized access of your location's computer
Source: Item 6 — OTHER FEES (FDD pages 17–34)
What This Means (2025 FDD)
According to Brightstar Care's 2025 Franchise Disclosure Document, franchisees are required to maintain an umbrella insurance policy. The minimum limit for this umbrella policy is $1,000,000, which is in excess of the professional, general, auto, and employer's liability (part of Work Comp) coverage.
This umbrella policy provides an extra layer of financial protection for Brightstar Care franchisees beyond their other liability insurance policies. It is designed to cover claims that exceed the limits of the franchisee's professional liability, general liability, auto liability, and worker's compensation insurance. By having this additional coverage, franchisees can better protect their assets and business from potentially large and unexpected claims.
It is important to note that the $1,000,000 limit is a minimum requirement, and Brightstar Care franchisees may need to obtain higher limits depending on their specific business needs and risk exposure. Franchisees should consult with their insurance advisors to determine the appropriate level of coverage for their individual circumstances. Additionally, Brightstar Care requires that all insurance companies providing coverage to franchisees have an A.M. Best's rating of "A-/Excellent" or better, or be approved by Brightstar Care in writing before coverage is placed.