What is the split liability limit for property damage for Comprehensive Automobile Liability Insurance for a Churchs Chicken franchise?
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 a franchisee chooses to have split liability limits, the insurance policy must cover $500,000 for bodily injury per person, $500,000 for bodily injury per occurrence, and $250,000 for property damage.
Alternatively, Churchs Chicken franchisees can opt for a combined single limit of $500,000 covering bodily injury, death, and property damage per occurrence. It is important to note that the franchisee is responsible for any loss or damage related to the operation of the franchised restaurant.
Churchs Chicken may increase the minimum coverage required 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 must take prompt action to secure the additional coverage or higher policy limits.