Are Canine Dimensions franchisees required to have Workers' Compensation insurance?
Canine_Dimensions Franchise · 2025 FDDAnswer from 2025 FDD Document
You currently are required to maintain the following insurance coverage:
- (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 your Franchised Business or your conduct of business under the Franchise Agreement under one or more policies of insurance containing minimum liability coverage of $1,000,000 per occurrence and $2,000,000 aggregate, including product / completed operations insurance;
- (2) automobile liability (split limit) of $250,000 per person, $500,000 per accident, and $100,000 property damage for any vehicles used in the operation of the Franchised Business;
- (3) an umbrella liability insurance policy with minimum liability coverage of $2,000,000;
- (4) employer's liability of $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 your Franchised Business is located;
- (5) professional liability insurance of $25,000 per incident; and
- (6) any other insurance that we may require in the future or that may be required according to the law or the terms of your lease.
You must maintain all required policies in force during the entire term of the Franchise Agreement and any renewal terms. We may periodically increase or decrease the amounts of coverage required under these insurance policies and require different or additional kinds of insurance at any time to reflect inflation, identification of new risks, changes in law or standards of liability, higher damage awards, or other relevant changes in circumstances. Each insurance policy must name us (and, if we request, our directors, employees or shareholders) as additional insureds and must provide us with 30 days' advance written notice of any material modification, cancellation or expiration of the policy.
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 14–17)
What This Means (2025 FDD)
According to Canine Dimensions's 2025 Franchise Disclosure Document, franchisees are required to maintain Workers' Compensation insurance. Specifically, franchisees must obtain and maintain employer's liability insurance of $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 their Franchised Business is located.
In addition to Workers' Compensation, Canine Dimensions franchisees must also maintain 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 their Franchised Business. This coverage must include minimum liability coverage of $1,000,000 per occurrence and $2,000,000 aggregate, including product / completed operations insurance. Franchisees also need automobile liability (split limit) of $250,000 per person, $500,000 per accident, and $100,000 property damage for any vehicles used in the operation of the Franchised Business, and an umbrella liability insurance policy with minimum liability coverage of $2,000,000. Furthermore, franchisees must carry professional liability insurance of $25,000 per incident.
Canine Dimensions retains the right to modify the required insurance coverage amounts and types to reflect factors like inflation, new risks, legal changes, or higher damage awards. Franchisees must ensure that all insurance policies name Canine Dimensions (and its directors, employees, or shareholders, if requested) as additional insureds and provide 30 days' advance written notice of any material changes, cancellations, or expirations. Franchisees are responsible for the costs associated with obtaining and maintaining all required insurance coverage.