What is the minimum per occurrence liability coverage required for Canine Dimensions franchisees' general liability insurance?
Canine_Dimensions Franchise · 2025 FDDAnswer from 2025 FDD Document
- (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 must maintain comprehensive general liability coverage with a minimum of $1,000,000 per occurrence. This insurance protects against claims for bodily and personal injury, death, and property damage that may arise from the operation of the franchised business or the franchisee's conduct of business under the Franchise Agreement. The coverage must also include product/completed operations insurance.
In addition to the per occurrence minimum, Canine Dimensions franchisees are also required to maintain an aggregate liability coverage of $2,000,000. Furthermore, franchisees must also carry other insurance policies, including automobile liability, umbrella liability, employer's liability, and professional liability insurance. The specific amounts for these other policies are also detailed in the FDD.
Canine Dimensions retains the right to modify the required insurance coverage amounts and types during the term of the Franchise Agreement to reflect factors such as inflation, new risks, changes in law, or higher damage awards. Franchisees must ensure that Canine Dimensions is named as an additional insured on each policy and receives 30 days' advance written notice of any material changes or cancellation of the policies. This ensures that Canine Dimensions is protected and informed about the franchisee's insurance coverage.