For Churchs Chicken franchises, where can franchisees find the minimum insurance requirements, standards, specifications, coverages, and limits required by Cajun?
Churchs_Chicken Franchise · 2025 FDDAnswer from 2025 FDD Document
Franchisee shall obtain all insurance policies from an insurance company or companies satisfactory to Cajun in compliance with the standards, specifications, coverages and limits set forth in the Manual or otherwise provided to Franchisee in writing. Cajun may
reasonably increase the minimum coverage required 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 notice of such modifications and shall take prompt action to secure the additional coverage or higher policy limits.
Source: Item 23 — RECEIPT (FDD pages 68–406)
What This Means (2025 FDD)
According to Churchs Chicken's 2025 Franchise Disclosure Document, the minimum insurance requirements, standards, specifications, coverages, and limits are detailed in the Manual or otherwise provided to the franchisee in writing. Churchs Chicken, under Cajun, may modify these requirements to reflect inflation, liability standards, damage awards, or other relevant changes, providing written notice to the franchisee.
Franchisees are required to secure insurance policies from companies that Cajun finds satisfactory. These policies must adhere to the standards, specifications, coverages, and limits outlined in the Manual or in written communications from Cajun. This ensures that franchisees maintain adequate coverage to protect both their business and Churchs Chicken's interests.
It is important for prospective Churchs Chicken franchisees to review the Manual and any written communications from Cajun carefully to understand the specific insurance requirements. Franchisees must also stay informed of any modifications to these requirements and promptly adjust their coverage accordingly. This proactive approach will help franchisees maintain compliance and protect their investment.