What is the alternative deadline for a Casiola franchisee to deliver proof of insurance if it occurs before the standard 90-day deadline?

According to Casiola's 2024 Franchise Disclosure Document, a franchisee must provide proof of insurance compliance to Casiola by the earlier of two deadlines. The first deadline is 90 days after the effective date of the Franchise Agreement. The alternative deadline is prior to the commencement of the Training Program.

This means that if a Casiola franchisee begins their training program before the 90-day mark, they must submit their insurance certificates before starting training. This ensures that the franchisee has adequate insurance coverage in place before they begin operating their Casiola business and participating in the training program.

It is important to note that the insurance policies must protect the franchisee as the named insured and also name Casiola, its affiliates, successors, assigns, officers, directors, shareholders, partners, agents, representatives, independent contractors, and employees as additional insureds. The insurance must be written by a carrier with an A.M. Best Rating of at least A-, VII and be reasonably acceptable to Casiola. The specific insurance policies, coverage requirements, and coverage amounts are detailed in the Operations Manual, which Casiola may change periodically.