What is the minimum combined single limit for Cicis' automobile liability coverage, including owned, non-owned, and hired vehicles?

According to Cicis's 2025 Franchise Disclosure Document, franchisees must maintain automobile liability coverage with a minimum combined single limit of $1,000,000. This coverage extends to owned, non-owned, and hired vehicles used in the operation of the Cicis restaurant.

This requirement ensures that Cicis franchisees have adequate financial protection in the event of an accident involving a vehicle used for the business. The $1,000,000 combined single limit means that the insurance policy will cover up to $1,000,000 for bodily injury and property damage resulting from a single accident, regardless of the number of claimants.

In addition to automobile liability coverage, Cicis also requires franchisees to maintain other insurance policies, including commercial general liability insurance, worker's compensation insurance, and an umbrella policy for excess coverage. Franchisees are responsible for ensuring that all required insurance policies are in place and that Cicis is named as an additional insured on liability policies. Failing to maintain the required insurance coverage could result in Cicis obtaining the insurance on the franchisee's behalf, with the franchisee responsible for reimbursing all costs and expenses incurred by Cicis.