Who should a Bumble Roofing franchisee consult with to determine the level of insurance protection they need?
Bumble_Roofing Franchise · 2025 FDDAnswer from 2025 FDD Document
- (v) Franchisee must secure and maintain in force all required licenses, permits and certificates relating to the operation of the Business and must operate the Business in full compliance with all applicable laws, ordinances and regulations including consumer protection laws, and labor and employment laws.
Franchisee must comply with all laws and regulations relating to privacy and data protection, and must comply with any privacy policies or data protection and breach response policies Franchisor periodically may establish.
Franchisee must notify Franchisor in writing within five (5) days of the commencement of any action, suit, proceeding or investigation, and of the issuance of any order, injunction, award of decree, by any court, agency, or other governmental instrumentality that may adversely affect the operation or financial condition of Franchisee or the Business.
Franchisee must notify Franchisor immediately of any suspected data breach at or in connection with the Business.
Franchisee will not conduct any business or advertising practice which injures Franchisor's business, the System or the goodwill associated with the Marks and other BUMBLE ROOFING® businesses.
Franchisee will control the quality of the Services and Products to avoid quality problems or product liability claims that could reflect adversely on Franchisee or Franchisor in the minds of consumers.
Source: Item 22 — CONTRACTS (FDD page 53)
What This Means (2025 FDD)
Based on the 2025 Bumble Roofing Franchise Disclosure Document, it does not specify who a franchisee should consult with to determine the level of insurance protection they need. However, the document does state that the franchisee must secure and maintain all required licenses, permits, and certificates relating to the operation of the business.
Furthermore, Bumble Roofing retains the right to purchase insurance on the franchisee's behalf if the franchisee fails to obtain the required insurance and keep it in effect. In such cases, the franchisee must reimburse Bumble Roofing for the cost of the insurance plus 10% plus interest. The FDD also states that failure to obtain insurance constitutes a material breach of the agreement, potentially leading to termination.
While the FDD outlines the franchisee's obligation to maintain insurance and the potential consequences of failing to do so, it does not provide guidance on how to determine the appropriate level of coverage. A prospective franchisee should ask Bumble Roofing for more details regarding the specific types and amounts of insurance required, and whether they have preferred insurance providers or recommendations for determining adequate coverage.