Is a Buns On Fire franchisee required to obtain state disability insurance?

plans to, negotiate purchase agreements with suppliers.

Insurance

You must obtain and maintain at your own expense the insurance coverage that we and your landlord (if applicable) periodically require, and you must meet the other insurance-related obligations in the Franchise Agreement. Currently, we require you to maintain the following coverages:

• ( 1 ) comprehensive general liability insurance for bodily injury, death and property damage caused by your operation of the Franchise Business, including employment practices liability coverage and contractual liability coverage, (not less than $1,000,000 each occurrence for bodily injury, death or property damage; not less than $1,000,000 each occurrence for personal and advertising injury; and $2,000,000 general aggregate); all risk property and casualty insurance, including fire coverage in an amount equal to the replacement cost value of cost of build out, improvements & betterments, equipment, furniture, fixtures & inventory;
• (2) business interruption insurance in sufficient amounts to cover 12 months of revenue but not less than $100,000 per year;
• (3) products liability and completed operation insurance (minimum coverage of $2,000,000);
• (4) worker's compensation insurance state disability insurance and all other insurance required by law;
• (5) Cyber risk policy;
• (6) commercial umbrella liability insurance with limits which bring the total of all primary underlying coverages (comprehensive general liability, business interruption, products liability and employers' liability) to not less than $5,000,000 total limit liability. This umbrella liability will provide at a minimum those coverages and endorsements required in the underlying policies; and
• (7) if you use a motor vehicle in the operation of your Franchise Business, business automotive coverage, including owned, hired, and

Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 19–22)