Does a Bumble Roofing franchisee's insurance relieve them of indemnity obligations?
Bumble_Roofing Franchise · 2025 FDDAnswer from 2025 FDD Document
- (e) Franchisee's obligation to obtain and maintain insurance coverage in the amounts required by Franchisor shall not be limited in any way by reason of any insurance that Franchisor may maintain, nor does Franchisee's procurement of required insurance relieve Franchisee of liability under the indemnity obligations described in Section 12.2.
Franchisee's insurance procurement obligations under this Section are separate and independent of Franchisee's indemnity obligations.
Source: Item 22 — CONTRACTS (FDD page 53)
What This Means (2025 FDD)
According to Bumble Roofing's 2025 Franchise Disclosure Document, a franchisee's insurance coverage does not relieve them of their indemnity obligations. The FDD clearly states that the franchisee's responsibility to secure and maintain insurance coverage as required by Bumble Roofing is not limited by any insurance that Bumble Roofing may maintain.
Furthermore, the franchisee's procurement of the required insurance does not relieve them of liability under the indemnity obligations detailed in Section 12.2 of the franchise agreement. This means that even if a franchisee has the insurance coverage that Bumble Roofing requires, they are still responsible for fulfilling their indemnity obligations as outlined in the franchise agreement.
The Bumble Roofing FDD emphasizes that the insurance procurement obligations and the indemnity obligations are separate and independent. This distinction is important for prospective franchisees to understand, as it clarifies that having insurance does not automatically protect them from all liabilities. Franchisees should consult with their own insurance professionals to determine the level of insurance protection they need and desire, in addition to the coverage and limits required by Bumble Roofing.