Is Plate Glass Insurance required for a Chicken Guy franchise?
Chicken_Guy Franchise · 2025 FDDAnswer from 2025 FDD Document
s, liability, personal injury, death, property damage, or expense whatsoever occurring upon the premises of, or in connection with the development or operation of, the Franchised Restaurant. Franchisee shall maintain in full force and effect throughout the term of this Agreement that insurance which Franchisee determines is necessary or appropriate for liabilities caused by or occurring in connection with the development or operation of the Franchised Restaurant which shall include, at a minimum, insurance policies of the kinds, and in the amounts, required by Section 16.B. Chicken Guy, and any entity with an insurable interest designated by Chicken Guy, shall be an additional insured in all liability policies (except workers compensation) to the extent each has an insurable interest.
- B. Minimum Insurance Requirements. All insurance policies shall be written by an insurance company or companies satisfactory to Chicken Guy, in compliance with the standards, specifications, coverages and limits set forth in the Manual or otherwise provided to Franchisee in writing. Chicken Guy may reasonably increase the minimum required coverage and require different or additional kinds of insurance to reflect inflation, changes in standards of liability, higher damage awards or other relevant changes in circumstances. Franchisee shall receive written notice of such modifications and shall take prompt action to secure the additional coverage or higher policy limits. These policies shall include, at a minimum, the following:
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Source: Item 22 — CONTRACTS (FDD page 50)
What This Means (2025 FDD)
According to Chicken Guy's 2025 Franchise Disclosure Document, Plate Glass Insurance is required. The FDD specifies minimum insurance requirements for franchisees, which include Plate Glass Insurance for replacement of glass from breakage.
Chicken Guy franchisees must maintain several types of insurance coverage. These include Comprehensive or Commercial General Liability Insurance with limits of $1,000,000 per occurrence and $2,000,000 in the aggregate, All Risks Property Insurance for the full replacement value of the restaurant, Business Interruption and Extra Expense Insurance for a minimum of 12 months, Employer's Liability Insurance in the amount of $500,000 per person, $500,000 in the aggregate and $500,000 for occupational disease, Liquor Liability Insurance with policy limits of not less than $1,000,000 if alcohol is sold, and Workers' Compensation.
The insurance policies must be written by a company satisfactory to Chicken Guy and comply with the standards set forth in the Manual or provided in writing. Chicken Guy can increase the minimum required coverage and require different or additional kinds of insurance. Franchisees will receive written notice of such modifications and must secure the additional coverage or higher policy limits.
Franchisees must provide Chicken Guy with a certificate of insurance no later than 30 days after the Franchise Agreement is executed and on each policy renewal date. The insurance policy must be written by an insurance company that has received an "A+" or better rating by Best's Insurance Rating Service and cannot have a deductible amount that exceeds $5,000, unless otherwise approved in writing by Chicken Guy.