On which insurance policy is Carbones Pizzeria NOT required to be named as an additional insured?
Carbones_Pizzeria Franchise · 2025 FDDAnswer from 2025 FDD Document
erwise approve those changes.
You must carry the types and amounts of insurance we specify and you must name us an additional incurred (other than the workers compensation policy), and provide us 30 days notice before any change,
cancellation or termination of any policy. You must carry the following policies and minimum amounts of coverages:
| Commercial General Liability | $1,000,000 limit per occurrence $2,000,000 aggregate | |
|---|---|---|
| Business Personal Property | Replacement cost coverage | |
| Business Motor Vehicle | $1,000,000 combined single limit of liability per occurrence | |
| Liability | $1,000,000 uninsured/underinsured motorist coverage | |
| Workers’ Compensation | Policy limits pursuant to applicable state law | |
| Umbrella/Excess Liability | $1,000,000 limit per occurrence $1,000,000 aggregate | |
| Liquor Liability | $1,000,000 limit per occurrence $2,000,000 aggregate | You and other franchisees m |
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 12–13)
What This Means (2025 FDD)
According to Carbones Pizzeria's 2025 Franchise Disclosure Document, franchisees are required to carry specific types and amounts of insurance and must name Carbones Pizzeria as an additional insured on all policies except for workers' compensation. This requirement ensures that Carbones Pizzeria is protected from potential liabilities arising from the franchisee's operations.
The FDD specifies that franchisees must provide Carbones Pizzeria with 30 days' notice before any change, cancellation, or termination of any insurance policy. This advance notice allows Carbones Pizzeria to ensure continuous coverage and address any potential gaps in insurance protection.
The required insurance policies and minimum coverage amounts are detailed in a table within the FDD, including commercial general liability ($1,000,000 per occurrence and $2,000,000 aggregate), business personal property (replacement cost coverage), business motor vehicle ($1,000,000 combined single limit), liability ($1,000,000 uninsured/underinsured motorist coverage), workers’ compensation (policy limits pursuant to applicable state law), umbrella/excess liability ($1,000,000 per occurrence and aggregate), and liquor liability ($1,000,000 per occurrence and $2,000,000 aggregate). Franchisees must maintain these policies at the specified levels to comply with the franchise agreement.