Under what circumstances would Brightstar Care franchisees be required to obtain insurance coverage beyond what is specifically listed in the FDD?

According to Brightstar Care's 2025 Franchise Disclosure Document, franchisees must obtain insurance coverage beyond what is listed if required by any applicable law, rule, regulation, ordinance, or licensing requirements. Additionally, Brightstar Care may make updates to the insurance requirements in the operations manuals from time to time, which would also necessitate additional coverage.

Brightstar Care requires franchisees to evaluate whether their business requires broader coverage, higher limits, or additional types of insurance available through approved agencies. The initial and ongoing Electronic Visit Verification (EVV) integration fees are the franchisee's responsibility if mandated by the state. If a Brightstar Care franchisee elects to have Employment Practices Liability (EPL) insurance with a minimum of $100,000 for Wage & Hour defense costs, and a claim is made against them or their employees, they must obtain a letter of credit for the difference between the standard minimum and the $100,000 exception.

These stipulations mean that Brightstar Care franchisees need to stay informed about changes in local and federal laws, as well as any updates to Brightstar Care's Operations Manual, to ensure they maintain adequate insurance coverage. Franchisees should also carefully assess their business needs and potential risks to determine if the minimum coverage requirements are sufficient or if additional coverage is necessary. Failure to comply with these requirements could result in legal or financial repercussions for the franchisee.