What is the minimum premises medical limit required for Commercial General Liability Insurance 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 are required to maintain Commercial General Liability Insurance with a premises medical limit of $2,500. This insurance coverage is one component of the overall insurance requirements Cicis imposes on its franchisees to protect against potential liabilities.
The Commercial General Liability Insurance also includes coverage for personal injury, advertising injury, completed operations, products liability, and fire damage. The policy must have a $1,000,000 per occurrence limit, a $2,000,000 general aggregate limit, and a $2,000,000 product aggregate limit, along with fire legal liability coverage of $50,000.
It is important for prospective Cicis franchisees to factor in the cost of this required insurance, along with other insurance policies such as "All Risks" coverage, automobile liability coverage, an "umbrella" policy, worker's compensation insurance, cyber insurance, and liquor liability insurance (if applicable), when evaluating the financial feasibility of the franchise. Additionally, Cicis retains the right to modify the required types of insurance and coverage amounts at its discretion, which could impact franchisees' future operating costs.