Is the Bumble Roofing franchisee's obligation to obtain insurance dependent on the franchisor maintaining insurance?
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.
- (f) Franchisor does not represent or warrant that any insurance that Franchisee is required to purchase will provide adequate coverage or protection for Franchisee.
The requirements of insurance specified in this Agreement or the Manual are strictly for Franchisor's protection.
Franchisee should consult with its own insurance agents, brokers, attorneys and other insurance professionals to determine the level of insurance protection it needs and desires, in addition to the coverage and limits required by Franchisor.
- (g) Franchisor reserves the right to modify minimum insurance requirements at any time in its sole discretion by updating the Manual.
Source: Item 22 — CONTRACTS (FDD page 53)
What This Means (2025 FDD)
According to Bumble Roofing's 2025 Franchise Disclosure Document, a franchisee's obligation to obtain and maintain insurance coverage is not dependent on any insurance that Bumble Roofing may maintain. The franchisee's insurance procurement obligations are separate and independent of any indemnity obligations.
Bumble Roofing does not guarantee that the insurance the franchisee is required to purchase will provide adequate coverage or protection for the franchisee. The insurance requirements specified in the Franchise Agreement or the Manual are strictly for Bumble Roofing's protection.
Therefore, it is crucial for prospective Bumble Roofing franchisees to consult with their own insurance agents, brokers, attorneys, and other insurance professionals to determine the level of insurance protection they need and desire, in addition to the coverage and limits required by Bumble Roofing. Bumble Roofing also retains the right to modify minimum insurance requirements at any time by updating the Manual.