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

According to Cicis's 2025 Franchise Disclosure Document, franchisees must maintain automobile liability coverage of at least $1,000,000 combined single limit. This coverage must include owned, non-owned, and hired vehicles. This requirement is part of a broader set of insurance obligations Cicis imposes on its franchisees to protect the brand and cover potential liabilities.

In addition to automobile liability coverage, Cicis franchisees are required to secure and maintain other insurance policies, including commercial general liability insurance, "all risks" coverage, an "umbrella" policy, and worker's compensation insurance. The franchisor also stipulates that coverage must be obtained from carriers with a rating of "A VII" or better by the A.M. Best Company, Inc., and that Cicis and its affiliates must be named as additional insureds on all policies.

The franchisor retains the right to modify the required types of insurance and coverage amounts at its discretion. Franchisees must also comply with any insurance requirements mandated by the landlord of the premises or by the state or locality in which the restaurant operates. These comprehensive insurance requirements ensure that Cicis franchisees are adequately protected against a variety of potential risks and liabilities, though the franchisee bears the cost of these protections.