What is the minimum required aggregate limit for Commercial General Liability insurance for a Carbones Pizzeria franchise?

According to Carbones Pizzeria's 2025 Franchise Disclosure Document, franchisees must maintain Commercial General Liability insurance with a minimum aggregate limit of $2,000,000. This coverage is designed to protect both the franchisee and the franchisor from potential financial losses resulting from accidents or injuries that occur on the premises or are related to the business operations.

The Commercial General Liability insurance also requires a $1,000,000 limit per occurrence. This means that for any single incident, the insurance will cover up to $1,000,000 in damages. The aggregate limit of $2,000,000 represents the total amount the insurance policy will pay out over the policy term, regardless of the number of individual occurrences.

In addition to Commercial General Liability, Carbones Pizzeria franchisees are required to maintain other insurance coverages, including Business Personal Property, Business Motor Vehicle Liability ($1,000,000 combined single limit per occurrence and $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 and $1,000,000 aggregate), and Liquor Liability ($1,000,000 limit per occurrence and $2,000,000 aggregate). The specific costs for these insurance policies can vary based on location, claims history, and other factors. Prospective franchisees should consult with insurance professionals to obtain accurate quotes and ensure they meet all of Carbones Pizzeria's insurance requirements.