Where in the Canine Dimensions franchise agreement can I find information about the effect of insurance coverage?

nchised or operated by Franchisor or its affiliates) who contributed to it during the preceding twelve (12) month period.

12. INSURANCE

12.1 Requirement

Franchisee must procure, no later than fifteen (15) days prior to the commencement of operations of the Franchised Business, and shall maintain in full force and effect at all times during the Term, at Franchisee's expense, an insurance policy or policies protecting Franchisee and Franchisor, and their respective officers, directors, shareholders, partners, and employees, against any demand or claim with respect to personal injury, death, or property damage, or any loss, liability, or expense whatsoever arising or occurring upon or in connection with the Franchised Business. The insurance policy(ies) must contain an endorsement to Franchisee's policy naming Franchisor and its officers, directors, shareholders, partners and employees shall be named as "additional named insureds" and not "additional insureds" in the broadest form, extending to Franchisor's negligence and errors and omissions, and cannot be limited to vicarious liability. The insurance afforded to additional insureds must apply as primary insurance and not contribute to any insurance or self-insurance available to Canine Dimensions Franchising, LLC.

12.2 Minimum Coverage

Such policy or policies shall be written by an insurance company satisfactory to Franchisor in accordance with standards and specifications set forth in the Manual or otherwise in writing, and shall include, at a minimum, such coverages and policy limits as may reasonably be specified by Franchisor from time to time, which coverages may include, without limitation, the following:

• 12.2.1 comprehensive general liability coverage against claims for bodily and personal injury, death, and property damage caused by or occurring in conjunction with the operation of the Franchised Business or Franchisee's conduct of business pursuant to this Agreement under one or more policies of insurance containing minimum liability coverage of One Million Dollars ($1,000,000) per occurrence and Two Million Dollars ($2,000,000) aggregate, which includes product / completed operations insurance and an endorsement specifically covering cyber liability risks;
• 12.2.2 automobile liability for any vehicles used in the operation of the Franchised Business with minimum liability coverage (split limit) of Two Hundred Fifty Thousand Dollars ($250,000) per person, Five Hundred Thousand Dollars ($500,000) per accident and One Hundred Thousand Dollars ($100,000) property damage;
• 12.2.3 an umbrella liability insurance policy with minimum liability coverage of Two Million Dollars ($2,000,000);
• 12.2.4 employer's liability of One Million Dollars ($1,000,000) per incident and Workers' Compensation or other employer's liability insurance as well as such other insurance as may be required by statute or rule in the state in which Franchisee's Franchised Business is located;
  • 12.2.5 professional liability of twenty-five thousand ($25,000) per incident;

Source: Item 22 — CONTRACTS (FDD page 36)