What is the minimum required Commercial General Liability coverage, including General/Excess/Umbrella coverage, for a Bw Premier Collection franchise?
Bw_Premier_Collection Franchise · 2025 FDDAnswer from 2025 FDD Document
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You must maintain, at your own expense, general liability insurance, automobile liability insurance (for owned, non-owned, and hired automobiles) and cyber liability insurance, each in the following amounts:
- Commercial General Liability: $6M General/Excess/Umbrella. Best Western strongly recommends that assault and battery, abuse and molestation, and human trafficking liability coverage not be limited or excluded. Exposure to carbon monoxide may not be excluded and may not be limited to amounts less than the $6M.
- Automobile Liability: $1M coverage for owned, hired and non-owned automobiles.
- Cyber Security Liability: $1M.
- Worker's Compensation: As required by law.
All required insurance must name us as an additional insured and certificate h
Source: Item 8 — Restrictions on Sources of Products and Services (FDD pages 30–32)
What This Means (2025 FDD)
According to Bw Premier Collection's 2025 Franchise Disclosure Document, franchisees must maintain certain insurance coverages, including Commercial General Liability. The minimum required Commercial General Liability coverage is $6 million, which includes General, Excess, and Umbrella coverage. Bw Premier Collection also strongly recommends that the policy not limit or exclude assault and battery, abuse and molestation, and human trafficking liability coverage. Additionally, exposure to carbon monoxide may not be excluded and may not be limited to amounts less than the $6 million.
In addition to Commercial General Liability, Bw Premier Collection franchisees must also maintain Automobile Liability coverage of $1 million for owned, hired, and non-owned automobiles, as well as Cyber Security Liability coverage of $1 million. Worker's Compensation coverage is also required, as mandated by law.
Bw Premier Collection requires that it be named as an additional insured and certificate holder on all required insurance policies. This requirement ensures that Bw Premier Collection is protected under the franchisee's insurance policies in the event of a claim. Franchisees must bear the expense of maintaining all required insurance coverages.