What is the minimum fire legal liability coverage required 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 fire legal liability coverage of $50,000 as part of their insurance requirements. This coverage is a component of the broader Commercial General Liability Insurance, which also includes personal injury, advertising injury, completed operations, products liability, and fire damage coverage. The Commercial General Liability Insurance policy must have a $1,000,000 per occurrence limit, a $2,000,000 general aggregate, and a $2,000,000 product aggregate limit, in addition to the fire legal liability and a premises medical limit of $2,500.
This requirement ensures that Cicis franchisees have adequate financial protection in the event of fire-related incidents at their restaurants. The fire legal liability coverage specifically addresses damages to the premises caused by fire for which the franchisee is legally responsible. The $50,000 minimum coverage suggests the level of risk Cicis anticipates and requires franchisees to mitigate.
Prospective franchisees should understand that maintaining this insurance coverage is a condition of operating a Cicis restaurant and must be kept in effect throughout the term of the Franchise Agreement. Failure to maintain the required insurance could result in a breach of the agreement. Additionally, Cicis retains the right to change the types of insurance and coverage amounts required at its sole discretion, meaning franchisees should be prepared for potential adjustments to these requirements in the future.