What is the minimum premises medical limit required for Cicis restaurant insurance?
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 certain insurance coverages throughout the operation of their restaurant. One of the required coverages is Commercial General Liability Insurance, which must include a premises medical limit of $2,500.
This means that a Cicis franchisee's insurance policy must cover at least $2,500 in medical expenses for incidents occurring on the restaurant premises. This is a relatively low amount compared to the other insurance requirements, such as the $1,000,000 per occurrence limit for general liability.
It is important for prospective franchisees to understand these insurance requirements, as failure to maintain adequate coverage could result in a breach of the Franchise Agreement. Franchisees should consult with an insurance professional to ensure they obtain the necessary coverage and understand the terms and conditions of their policies. Cicis also retains the right to modify the required insurance types and coverage amounts at their discretion.