Where are Caring Senior Service's insurance requirements included?

In addition to the purchases or leases described above, you must obtain and maintain, at your own expense, the insurance coverages that we require. We may regulate the types, amounts, terms and conditions of insurance coverage required for your Business and standards for underwriters of policies providing required insurance coverage; our protection and rights under such policies as an additional named insured; required or impermissible insurance contract provisions; assignment of policy rights to us; periodic verification of insurance coverage that must be furnished to us; our right to obtain insurance coverage at your expense if you fail to obtain required coverage; our right to defend claims; and similar matters relating to insured and uninsured claims. Our insurance requirements are included in the Operations Manual or otherwise in writing and may be periodically updated. You must comply with any changes to our insurance requirements, at your expense.

You currently must maintain the following insurance coverages, all of which must be written on a claimsmade basis: (1) professional liability; (2) general liability; (3) hired and non-owned automobile liability coverage; (4) crime coverage; (5) workers compensation; (6) employment practices liability; (7) property coverage; and (8) any insurance required by the state or locality in which the Franchised Business is located

and operated, as may be required by the terms of the lease for the Approved Location, or as may be required by us in the future. The current limits for these coverages include the following: (i) commercial general liability insurance of not less than $3,000,000 in the aggregate, $1,000,000 per claim for products and completed operations, bodily injury and property damage, personal and advertising injury limits, $50,000 for fire damages liability for any one fire, and $5,000 in medical payments for any one individual; (ii) professional liability of not less than $3,000,000 in the aggregate and $1,000,000 per claim; (iii) automobile liability insurance for all owned, non-owned and hired automobiles with a single limit coverage of not less than $1,000,000; (iv) worker's compensation for at least the statutory requirements of your state(s) of operation; (v) employers liability of at least $1,000,000 each accident, each employee, and policy limit; and (vi) bonding for damage or theft of client property of not less than $25,000.

You must maintain all required policies in force during the entire term of the Franchise Agreement and any renewal terms. We may periodically increase or decrease the amounts of coverage required under these insurance policies and require different or additional kinds of insurance at any time, including excess liability insurance, to reflect inflation, identification of new risks, changes in law or standards of liability, higher damage awards, or other relevant changes in circumstances. Each insurance policy must name us (and, if we request, our directors, employees or shareholders) as additional insureds and must provide us with 30 days' advance written notice of any material modification, cancellation or expiration of the policy. If you do not purchase the required insurance coverages, we have the right to purchase the insurance on your behalf and you must reimburse us.

Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 21–23)