What is the minimum amount of Commercial General Liability Insurance coverage required per occurrence for a Cicis restaurant?
Cicis Franchise · 2025 FDDAnswer from 2025 FDD Document
operating your Cicis Restaurant.
Insurance: Before your Cicis Restaurant opens for business and throughout its operation, you must secure and maintain the insurance coverage required by us, which includes the following:
- (1) Commercial General Liability Insurance, personal injury, advertising injury, completed operations, products liability, and fire damage coverage, in the amount of $1,000,000 per occurrence limit with a $2,000,000 general aggregate and a $2,000,000 product aggregate limit; fire legal liability of $50,000, and a
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 must maintain Commercial General Liability Insurance with a minimum coverage of $1,000,000 per occurrence. This insurance coverage must include personal injury, advertising injury, completed operations, products liability, and fire damage. Additionally, the policy must have a $2,000,000 general aggregate and a $2,000,000 product aggregate limit, along with fire legal liability of $50,000 and a premises medical limit of $2,500.
This requirement ensures that Cicis franchisees have adequate financial protection against potential liabilities arising from their business operations. The specified coverage amounts are designed to cover a range of incidents, from customer injuries to property damage, safeguarding the franchisee's assets and the Cicis brand's reputation. Franchisees must secure and maintain this insurance coverage before opening their Cicis Restaurant and throughout its operation.
It is important for prospective franchisees to factor in the cost of this insurance coverage when evaluating the overall investment required to start and operate a Cicis franchise. Furthermore, Cicis retains the right to modify the required types of insurance and coverage amounts at its discretion, meaning franchisees need to stay informed of any changes to these requirements to remain compliant. Meeting these insurance requirements is a condition of maintaining the franchise agreement.