Besides Bumble Roofing, which other entities must be named as additional insureds on the insurance policies maintained by the franchisee?

According to Bumble Roofing's 2025 Franchise Disclosure Document, franchisees are required to include specific entities as additional insureds on their insurance policies. In addition to Bumble Roofing itself, the franchisee must also name Bumble Roofing's parent company, Empower Brands, LLC, and their affiliates as additional insureds. Furthermore, Bumble Roofing retains the right to designate other parties who must also be included as additional insureds.

This requirement means that the franchisee's insurance coverage must extend to protect these additional insureds against potential claims. The coverage provided to these additional insureds cannot be limited to claims of vicarious liability, meaning the coverage must be broader. The franchisee's insurance policies must also be primary and non-contributory, meaning they pay out before any other insurance policies held by the additional insureds. The policies must waive any right of subrogation, preventing the insurance company from pursuing claims against the additional insureds. Finally, the insurance provider must give the additional insureds 30 days' advance written notice if there are any cancellations or material changes to the coverage.

For a prospective Bumble Roofing franchisee, this requirement has several implications. First, it is crucial to ensure that the insurance policies obtained meet all these specific requirements. Failure to do so could result in a breach of the franchise agreement. Second, the franchisee should anticipate potentially higher insurance premiums due to the inclusion of additional insureds and the specific coverage terms required. It is advisable to consult with an insurance professional experienced in franchise insurance to ensure compliance and obtain appropriate coverage.

It is also important to note that Bumble Roofing retains the right to designate additional parties as insureds, which could further impact insurance costs. Therefore, franchisees should maintain open communication with Bumble Roofing regarding any changes to insurance requirements and proactively address any concerns with their insurance provider.