Who should the Churchs Chicken Sublessee deliver the property and liability insurance certificates to?

According to the 2025 Churchs Chicken Franchise Disclosure Document, the Sublessee is required to deliver certificates evidencing their insurance policies to the Sublessor. Specifically, the property certificate should name the Sublessor as the loss payee, and the liability certificate should name the Sublessor as an additional insured.

This requirement ensures that the Sublessor is protected in the event of any property loss or liability claims arising from the Sublessee's operation of the Churchs Chicken restaurant. It also allows the Sublessor to verify that the Sublessee has obtained and maintains the required insurance coverage throughout the term of the sublease.

Furthermore, the insurance policies must be issued by companies holding a general policyholder's rating of at least "A" as set forth in the most current issue of Best's Insurance Guide and authorized to do business in the state where the premises are located. The policies should not be cancelable or subject to reduction of coverage or other modification except after thirty (30) days prior written notice to the Sublessor. This protects the Sublessor by ensuring continuous coverage and advance warning of any changes to the insurance policies.