What proof regarding premiums must a City Publications franchisee's certificate of insurance reflect?

According to City Publications' 2025 Franchise Disclosure Document, a franchisee must provide proof of payment of premiums on their certificate of insurance. This certificate serves as annual evidence that the franchisee is compliant with the insurance requirements set by City Publications.

This requirement ensures that franchisees maintain continuous and active insurance coverage, protecting both the franchisee and City Publications from potential liabilities. The certificate must also state that the insurance policy cannot be canceled or altered without at least thirty days prior written notice to City Publications. This advance notice allows City Publications time to ensure continuous coverage is maintained either by the franchisee or by City Publications itself.

If a City Publications franchisee fails to maintain the required insurance coverage, City Publications has the right, but not the obligation, to procure the necessary insurance and charge the franchisee for the costs, including a reasonable fee for expenses incurred. The franchisee is then responsible for immediate payment upon notification. This provision underscores the importance of maintaining adequate insurance and the potential financial consequences of failing to do so.