What is the required aggregate commercial general liability insurance limit for a Carbones Pizzeria franchise?

According to Carbones Pizzeria's 2025 Franchise Disclosure Document, franchisees must maintain commercial general liability insurance with a limit of $1,000,000 per occurrence and $2,000,000 in the aggregate. This insurance coverage is a standard requirement in franchising to protect both the franchisee and franchisor from potential liabilities arising from the operation of the business.

In addition to commercial general liability insurance, Carbones Pizzeria franchisees are also required to maintain other types of insurance coverage. These include business personal property insurance with replacement cost coverage, business motor vehicle insurance with a $1,000,000 combined single limit of liability per occurrence, and liability insurance with $1,000,000 uninsured/underinsured motorist coverage. Furthermore, franchisees must have workers’ compensation insurance with policy limits pursuant to applicable state law, umbrella/excess liability insurance with a $1,000,000 limit per occurrence and $1,000,000 aggregate, and liquor liability insurance with a $1,000,000 limit per occurrence and $2,000,000 aggregate.

The specific insurance requirements outlined in the FDD are crucial for prospective franchisees to understand, as they represent a significant ongoing cost of operating a Carbones Pizzeria franchise. Franchisees should consult with insurance professionals to obtain quotes and ensure they can meet these requirements. Failing to maintain the required insurance coverage could result in a breach of the franchise agreement and potential termination of the franchise.