What are the minimum Employers Liability insurance amounts required for a Churchs Chicken franchise, and what exclusion is prohibited?
Churchs_Chicken Franchise · 2025 FDDAnswer from 2025 FDD Document
ce, written on an "All Risks" policy for fire and related peril (including floods and earthquakes where applicable) with limits of insurance of not less than the full replacement value of the Franchised Restaurant, and its furniture, fixtures, equipment, inventory and other tangible property on Special Form with no co-insurance. If the Franchised Location is in an area prone to geological phenomena, including, but not limited to, wind, sinkholes, mine subsi
Source: Item 23 — RECEIPT (FDD pages 68–406)
What This Means (2025 FDD)
According to Churchs Chicken's 2025 Franchise Disclosure Document, franchisees must maintain Employers Liability insurance with specific minimum coverage amounts. The policy must provide at least $1,000,000 per accident for bodily injury, a $1,000,000 policy limit for bodily injury by disease, and $1,000,000 per employee for bodily injury by disease. Alternatively, the franchisee must meet any legally required amount if it exceeds these minimums.
An important stipulation is that the insurance policy cannot include an exclusion for any employee, owner, sole proprietor, member, or officer. This ensures that all individuals associated with the franchise are covered under the Employers Liability insurance.
This coverage must also extend to all of the franchisee's employees who participate in any of Churchs Chicken's training programs. This requirement ensures that employees are protected even when they are off-site for training purposes. Franchisees should confirm with their insurance provider that their policy meets all of these requirements to avoid any potential gaps in coverage.