Is workers compensation insurance a required purchase for C12 Group franchisees?
C12_Group Franchise · 2025 FDDAnswer from 2025 FDD Document
We do not require you to purchase insurance beyond what you are required to maintain under state law where you operate, which may include workers compensation insurance.
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 18–20)
What This Means (2025 FDD)
According to C12 Group's 2025 Franchise Disclosure Document, C12 Group does not mandate franchisees to purchase insurance beyond what is legally required by the state in which they operate. This may include workers' compensation insurance, depending on state law.
This means that whether a C12 Group franchisee needs to carry workers' compensation insurance depends on the specific regulations of their state. Franchisees should consult with legal and insurance professionals in their state to ensure they comply with all applicable laws.
This policy is fairly standard in the franchise industry, where franchisors typically defer to local and state regulations regarding insurance requirements. It is the franchisee's responsibility to understand and meet these obligations to protect their business and employees.