What is the minimum Crime/Employee Dishonesty insurance coverage required per occurrence for a City Wide franchise?

According to City Wide's 2025 Franchise Disclosure Document, franchisees must maintain Crime/Employee Dishonesty insurance with a minimum coverage of $100,000 per occurrence. This insurance protects the City Wide franchise against losses resulting from criminal acts or dishonest behavior by employees.

In addition to the mandatory Crime/Employee Dishonesty insurance, City Wide also specifies other required insurance types and minimum coverage amounts. These include Comprehensive General Liability ($1,000,000 per occurrence, $2,000,000 aggregate), Hired/Non-Owned Auto Coverage ($1,000,000 per occurrence), and Cyber Insurance ($1,000,000 per occurrence). Franchisees must also carry Worker's Compensation Statutory Benefits and Business Interruption Insurance.

City Wide also recommends franchisees obtain General Liability Umbrella insurance ($5,000,000) and an Employee Honesty Bond ($50,000), which are required if a client stipulates it. Furthermore, if a City Wide franchisee provides service to a National Account, they must carry the types and coverages of insurance required by each National Account Contract. The franchisee is solely responsible for ensuring that any subcontractors they use also carry the required insurance.

Prospective franchisees should carefully review the insurance requirements outlined in the FDD and Operating Manual to understand the full scope of coverage needed and associated costs. It is also important to note that City Wide has the right to periodically modify these insurance requirements.