What is the minimum medical expense coverage limit for Comprehensive or Commercial General Liability Insurance for a Churchs Chicken franchise?
Churchs_Chicken Franchise · 2025 FDDAnswer from 2025 FDD Document
be named as an additional insured on all policies except workers compensation to the extent each has an insurable interest.
- B. Minimum Insurance Requirements. 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 poli
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 Comprehensive or Commercial General Liability Insurance. This insurance includes coverage for various liabilities, including bodily injury, personal injury, and property damage.
The policy must have a limit of not less than $1,000,000 per occurrence and $2,000,000 in the aggregate. However, there are exceptions for fire damage and medical expense coverages. The minimum coverage limit for medical expenses is $5,000 for one person.
This means that if a customer or employee is injured at a Churchs Chicken location and requires medical attention, the insurance policy must cover at least $5,000 in medical expenses for that individual. Franchisees should ensure their insurance policies meet these minimum requirements to avoid potential liability issues.