Who must the Camp Margaritaville franchisee name as an additional insured on their cyber security insurance policy?

According to Camp Margaritaville's 2025 Franchise Disclosure Document, franchisees are required to obtain cyber security insurance in amounts mandated by the franchisor. As part of this requirement, the franchisee must provide a Certificate of Insurance to Camp Margaritaville, naming Camp Margaritaville as an additional insured on the franchisee's cyber security insurance policy.

This requirement ensures that Camp Margaritaville has some level of protection in the event of a cyber security incident at the franchisee's location. By being named as an additional insured, Camp Margaritaville can potentially make claims against the franchisee's cyber security insurance policy to cover costs and damages resulting from a data breach or other cyber event that impacts the Camp Margaritaville system or brand.

It is important for prospective franchisees to understand the specific cyber security insurance requirements, including the coverage amounts and policy terms, as these can significantly impact their operating costs. Franchisees should also clarify with Camp Margaritaville what specific events or liabilities the insurance policy is intended to cover to ensure they have adequate protection.