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

According to Carbones Pizzeria's 2025 Franchise Disclosure Document, franchisees must maintain commercial general liability insurance with specific coverage limits. The required aggregate limit for commercial general liability insurance is $2,000,000. This coverage is designed to protect both the franchisee and the franchisor from potential financial losses resulting from accidents, injuries, or property damage that may occur on the premises or as a result of business operations.

In addition to the aggregate limit, Carbones Pizzeria requires a per occurrence limit of $1,000,000 for commercial general liability. This means that for each individual incident, the insurance policy will cover up to $1,000,000 in damages. Franchisees must ensure their insurance policies meet these minimum requirements to comply with the franchise agreement and protect their business from potential liabilities.

Furthermore, the FDD outlines other insurance requirements, including business personal property coverage, business motor vehicle liability, workers’ compensation, umbrella/excess liability, and liquor liability if applicable. Each of these coverages has its own specific limits and requirements as detailed in the provided table. It is important for prospective Carbones Pizzeria franchisees to carefully review all insurance requirements and consult with an insurance professional to obtain the necessary coverage.