Is the Canine Dimensions franchisee's obligation to obtain and maintain insurance policies limited by any insurance maintained by the franchisor?

According to Canine Dimensions' 2025 Franchise Disclosure Document, the franchisee's obligation to obtain and maintain insurance policies is not limited by any insurance that Canine Dimensions may maintain. The franchisee is required to secure and maintain specific insurance coverage, and this responsibility remains regardless of any insurance policies held by the franchisor.

This means that even if Canine Dimensions has its own insurance coverage, the franchisee must still obtain and maintain the insurance policies required under the franchise agreement. The franchisee cannot rely on the franchisor's insurance to meet their own obligations. This ensures that both the franchisee and Canine Dimensions are adequately protected against potential liabilities and claims related to the operation of the franchised business.

The franchisee's insurance policies must also name Canine Dimensions as an additional insured. Furthermore, the franchisee's obligation to maintain the required insurance does not relieve them of liability under the indemnity provisions outlined in Section 18.3 of the Franchise Agreement, which covers various potential liabilities and responsibilities of the franchisee.