What are the minimum combined single limit requirements for Comprehensive Automobile Liability Insurance for a Churchs Chicken franchisee, covering bodily injury, death, and property damage per occurrence?
Churchs_Chicken Franchise · 2025 FDDAnswer from 2025 FDD Document
y limits. These policies shall include, at a minimum, the following:
- (1) Comprehensive or Commercial General Liability Insurance including coverage for bodily injury, personal injury, contractual liability, advertising injury, fire damage, medical expenses, death and property damage, including Premises and Operations, independent contractors, blanket contractual liabil
Source: Item 23 — RECEIPT (FDD pages 68–406)
What This Means (2025 FDD)
According to Churchs Chicken's 2025 Franchise Disclosure Document, franchisees are required to maintain Comprehensive Automobile Liability Insurance, if applicable, covering owned, non-owned, and hired vehicles. The minimum insurance requirement is a combined single limit of $500,000 for bodily injury, death, and property damage per occurrence.
Alternatively, Churchs Chicken franchisees can opt for split liability limits. These limits are $500,000 for bodily injury per person, $500,000 for bodily injury per occurrence, and $250,000 for property damage.
It is important to note that Churchs Chicken 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. Franchisees will receive written notice of such modifications and are expected to take prompt action to secure the additional coverage or higher policy limits.