What sections of the Brueggers Bagels License Agreement address insurance requirements?
Brueggers_Bagels Franchise · 2025 FDDAnswer from 2025 FDD Document
Certificates of Insurance.** Licensee shall furnish to Licensor, 30 (thirty) days before the Bakery opens, a Certificate of Insurance which:
(a) Indicates that Licensee has general liability insurance, including coverage for premises, operations, contractual, and products liability;
(b) Provides limits of not less than $5,000,000.00 per occurrence for bodily injury and $5,000,000.00 for Property Damage, or a combined single limit of $5,000,000.00 for bodily injury and property damage;
(c) Indicates that Licensor, its parents, subsidiaries, and affiliates are listed as additional insured(s) as a Vendor; and
(d) Provides for a 30-day notice to Licensor of any cancellation or material change in coverage.
(l) Licensor shall not require Licensee to purchase any Approved Supplies, Trade Secret Food Products (as defined below) or other products or paper packaging bearing the Marks from any vendor unless such vendor has represented in writing to Licensor that it has obtained from an insurance carrier acceptable to Licensor and Licensee, and at all times maintains, commercial and general liability insurance, including premises, operations, products and contractual liability, with a combined single limit of not less than $2,000,000.00 (Two Million U.S.
Dollars and No Cents) per occurrence for personal injury and property damage.
Upon execution of this Agreement, and annually thereafter, Licensor shall cause such vendors to provide Licensee with a Certificate of Insurance evidencing the coverages herein required.
Source: Item 9 — FRANCHISEE'S OBLIGATIONS (FDD pages 29–31)
What This Means (2025 FDD)
According to Brueggers Bagels's 2025 Franchise Disclosure Document, the License Agreement outlines specific insurance requirements in two sections. First, franchisees must provide a Certificate of Insurance to Brueggers Bagels 30 days before opening their bakery. This certificate must show general liability coverage, including premises, operations, contractual, and products liability. The coverage limits must be no less than $5,000,000.00 per occurrence for bodily injury and $5,000,000.00 for property damage, or a combined single limit of $5,000,000.00 for both.
Second, the certificate must list Brueggers Bagels, its parents, subsidiaries, and affiliates as additional insureds as a vendor. It must also provide for a 30-day notice to Brueggers Bagels in case of any cancellation or material change in coverage.
Additionally, Brueggers Bagels will ensure that any approved vendors maintain commercial and general liability insurance with a combined single limit of not less than $2,000,000.00 per occurrence for personal injury and property damage. These vendors must provide franchisees with a Certificate of Insurance annually, evidencing the required coverages. This dual requirement ensures both the franchisee and the suppliers maintain adequate insurance coverage, protecting Brueggers Bagels's interests and mitigating potential risks.