Does C12 Group require franchisees to purchase insurance beyond what is required by state law?

According to C12 Group's 2025 Franchise Disclosure Document, franchisees are not required to purchase insurance beyond what is mandated by the state in which they operate. This may include worker's compensation insurance, depending on the specific state's legal requirements. This policy is clearly stated in Item 8 of the FDD, which addresses restrictions on sources of products and services.

For a prospective C12 Group franchisee, this means they will only need to secure the minimum insurance coverage required by their state laws. This can help to reduce initial and ongoing operating costs, as franchisees won't be forced to buy additional or specific insurance policies dictated by C12 Group. It is important for potential franchisees to verify their state's insurance requirements to ensure compliance.

In the franchise industry, it is common for franchisors to mandate certain insurance coverages to protect the brand and the network. However, C12 Group's approach offers franchisees some flexibility and cost savings by adhering to state-mandated minimums. Franchisees should still carefully consider their individual business risks and consult with an insurance professional to determine if additional coverage is advisable beyond the state's requirements.