What kind of insurance policy certificates are required by Clean Your Dirty Face before opening?
Clean_Your_Dirty_Face Franchise · 2025 FDDAnswer from 2025 FDD Document
Each insurance policy for liability coverage must name us and any affiliates we designate as additional named insureds and provide for thirty (30) days' prior written notice to us of a policy's material modification, cancellation or expiration. Each insurance policy must contain a waiver of all subrogation rights against us, our affiliates and their successors and assigns. You must routinely furnish us copies of your Certificates of Insurance or other evidence of your maintaining this insurance coverage and paying premiums. If you fail or refuse to obtain and maintain the insurance we specify, in addition to our other remedies including termination, we may (but are not required to) obtain such insurance for you and your Business on your behalf, in which event you agree to cooperate with us and reimburse us for all premiums, costs and expenses we incur in obtaining and maintaining the insurance, plus a reasonable fee for our time incurred in obtaining such insurance.
Source: Item 22 — CONTRACTS (FDD page 54)
What This Means (2025 FDD)
According to Clean Your Dirty Face's 2025 Franchise Disclosure Document, franchisees are required to furnish copies of their Certificates of Insurance or other evidence of maintaining required insurance coverage and paying premiums.
During the term of the agreement, franchisees must maintain several types of insurance policies, including comprehensive public liability, general liability, personal injury liability, motor vehicle liability, property, product liability, workmen's compensation, employment practices liability, commercial liability umbrella, business interruption insurance, and other types of insurance Clean Your Dirty Face requires. Clean Your Dirty Face retains the right to mandate that franchisees obtain these policies from a designated vendor, adhering to specific terms and specifications approved by them.
The liability insurance must cover claims for bodily and personal injury, death, and property damage related to the business's operation or the activities of its personnel, both within and outside the business premises. These policies must meet the minimum coverage amounts prescribed by Clean Your Dirty Face and have deductibles not exceeding specified amounts. Clean Your Dirty Face may periodically increase the required coverage amounts or require different or additional insurance coverages, including reasonable excess liability insurance.
All insurance policies must be purchased from licensed insurers with a rating of "A-/VIII" or higher by A.M. Best Company or a similar designated publication. Each liability coverage policy must name Clean Your Dirty Face and any designated affiliates as additional insureds and provide thirty days' prior written notice of any material modification, cancellation, or expiration. Additionally, each policy must include a waiver of all subrogation rights against Clean Your Dirty Face, its affiliates, and their successors and assigns.