When must a Brueggers Bagels licensee furnish a Certificate of Insurance to the licensor?
Brueggers_Bagels Franchise · 2025 FDDAnswer from 2025 FDD Document
d demands whatsoever, together with all counsel fees and expenses, arising out of, concerning or affecting, in whole or in part: the obligations of Licensee under this Agreement or the business conducted by Licensee, its agents or employees under this Agreement, occurring at, in or about the Bakery without limitation and without regard to the cause or causes of the acts, errors, or omissions or the negligence (whether that negligence is sole, joint or concurrent, and whether active or passive) or strict liability of the Indemnitees in connection therewith. Licensor may undertake the defense of any such claim or demand and supervise all settlement negotiations related thereto; provided, however, in that event, Licen
Source: Item 22 — CONTRACTS (FDD page 61)
What This Means (2025 FDD)
According to Brueggers Bagels' 2025 Franchise Disclosure Document, a licensee must furnish a Certificate of Insurance to the licensor 30 days before the bakery opens. This certificate serves as proof that the licensee has secured the necessary insurance coverage.
The required insurance must include general liability coverage, encompassing premises, operations, contractual obligations, and product liability. The policy must provide limits of not less than $5,000,000 per occurrence for bodily injury and $5,000,000 for property damage, or a combined single limit of $5,000,000 for both bodily injury and property damage.
Furthermore, the Certificate of Insurance must list Brueggers Bagels, including its parents, subsidiaries, and affiliates, as additional insured parties in their capacity as a vendor. Finally, the certificate must stipulate that Brueggers Bagels will receive a 30-day notice in the event of any cancellation or significant change in the insurance coverage. This ensures that Brueggers Bagels is informed of any potential lapse in the franchisee's insurance coverage, allowing them to take appropriate action to protect their interests.