What is the required aggregate limit for Liquor Liability insurance for a Carbones Pizzeria franchise?
Carbones_Pizzeria Franchise · 2025 FDDAnswer from 2025 FDD Document
| 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 |
Source: Item 23 — RECEIPTS (FDD pages 30–116)
What This Means (2025 FDD)
According to the 2025 Carbones Pizzeria Franchise Disclosure Document, if a franchisee is approved to sell alcohol, they must maintain liquor liability insurance with specific coverage limits. The required aggregate limit for Liquor Liability insurance is $2,000,000.
In addition to the aggregate limit, the franchisee must also maintain a $1,000,000 limit per occurrence for liquor liability. This insurance coverage is essential to protect both the franchisee and Carbones Pizzeria from potential liabilities arising from the sale of alcohol at the restaurant.
It is important for prospective franchisees to factor in the cost of this insurance when evaluating the financial feasibility of operating a Carbones Pizzeria, especially if they plan to sell alcoholic beverages. Franchisees should consult with insurance professionals to obtain appropriate coverage that meets the franchisor's requirements and complies with local regulations.