What is the minimum combined single limit required for automobile liability coverage for a Cicis franchise?

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 includes owned, non-owned, and hired vehicles.

This requirement means that a Cicis franchisee needs to secure an insurance policy that covers potential liabilities arising from vehicle-related incidents, regardless of whether the vehicles are owned by the franchise, leased, or used for business purposes. The $1,000,000 combined single limit represents the total amount the insurance company will pay for bodily injury and property damage resulting from a single accident.

In addition to the automobile liability coverage, Cicis also requires franchisees to maintain other insurance coverages, such as commercial general liability insurance, worker's compensation insurance, and an umbrella policy. Franchisees should consult with an insurance professional to ensure they obtain adequate coverage to meet Cicis's requirements and protect their business from potential risks. Failing to maintain the required insurance coverage could result in the franchisor obtaining the insurance on the franchisee's behalf, with the franchisee responsible for reimbursing all premiums, costs, and expenses, including a reasonable fee for the franchisor's time.