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

According to Carbones Pizzeria's 2025 Franchise Disclosure Document, franchisees are required to maintain commercial general liability insurance with specific coverage limits. The commercial general liability insurance must have a $1,000,000 limit per occurrence and a $2,000,000 aggregate limit. This means that for each individual incident, the insurance will cover up to $1,000,000 in damages, and the total coverage available for all incidents within the policy period is $2,000,000.

In addition to commercial general liability, Carbones Pizzeria franchisees must also maintain other types of insurance, including business personal property insurance, business motor vehicle liability insurance with a $1,000,000 combined single limit, and workers' compensation insurance with policy limits pursuant to applicable state law. They are also required to have umbrella/excess liability insurance with a $1,000,000 limit per occurrence and a $1,000,000 aggregate, as well as liquor liability insurance with a $1,000,000 limit per occurrence and a $2,000,000 aggregate.

It is important for prospective Carbones Pizzeria franchisees to understand these insurance requirements, as they represent a significant ongoing cost of doing business. Franchisees must ensure they obtain the necessary insurance coverage and provide proof of insurance to Carbones Pizzeria, naming them as an additional insured. Failure to maintain adequate insurance coverage could result in a breach of the franchise agreement and potential liability for any damages or losses incurred.