What specific coverages must be included in the general liability insurance indicated on the Certificate of Insurance for a Brueggers Bagels franchise?
Brueggers_Bagels Franchise · 2025 FDDAnswer from 2025 FDD Document
s 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's 2025 Franchise Disclosure Document, a franchisee must furnish a Certificate of Insurance to the Franchisor 30 days before opening their bakery. This certificate must show that the franchisee has general liability insurance that includes coverage for premises, operations, contractual obligations, and product liability.
The required insurance coverage must provide limits of not less than $5,000,000.00 per occurrence for bodily injury and $5,000,000.00 for property damage. Alternatively, the franchisee can obtain a combined single limit of $5,000,000.00 for both bodily injury and property damage.
Additionally, the Certificate of Insurance must list Brueggers Bagels, its parents, subsidiaries, and affiliates as additional insured(s) as a vendor. Finally, the certificate must provide for a 30-day notice to Brueggers Bagels in case of any cancellation or material change in the insurance coverage.