What kind of insurance is required to provide statutory coverage for Cicis restaurant employees?
Cicis Franchise · 2025 FDDAnswer from 2025 FDD Document
its of not less than $1,000,000.
- (5) Worker's compensation insurance to provide statutory coverage in the applicable state, and employers liability coverage with limits of $500,000/$500,000/$500,000 or, if permissible under applicable law, any legally appropriate alternative, provided that you (i) maintain an excess indemnity or "umbrella" policy covering employer's liability and a medical/disability policy covering medical expenses for on-the-job accidents, which policy or policies will be written by a responsible carrier meeting the requirements set forth above and which will contain such coverage amounts as you and we mutually agree upon and (ii) conduct
and maintain a risk management and safety program for your employees that you and
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 25–28)
What This Means (2025 FDD)
According to Cicis's 2025 Franchise Disclosure Document, franchisees are required to maintain worker's compensation insurance to provide statutory coverage in the applicable state. Additionally, they must have employers liability coverage with limits of $500,000/$500,000/$500,000.
If permissible under applicable law, Cicis franchisees may use a legally appropriate alternative to the employers liability coverage limits, provided they meet certain conditions. These conditions include maintaining an excess indemnity or "umbrella" policy covering employer's liability and a medical/disability policy covering medical expenses for on-the-job accidents. The policy or policies must be written by a responsible carrier meeting specific requirements and contain coverage amounts mutually agreed upon by the franchisee and Cicis.
Furthermore, franchisees must conduct and maintain a risk management and safety program for their employees that is mutually agreed upon by both the franchisee and Cicis. This ensures that employees are protected in case of work-related injuries or illnesses, and the financial responsibility for these incidents is appropriately managed through insurance coverage or approved alternatives.