What must Clean Your Dirty Face liability insurance cover?
Clean_Your_Dirty_Face Franchise · 2025 FDDAnswer from 2025 FDD Document
During the term of this Agreement you must maintain in force at your sole expense 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 we require. We reserve the right to require that you obtain all or a portion of your insurance policies from a designated vendor and on the terms and according to the specifications we approve. The liability insurance must cover claims for bodily and personal injury, death, and property damage caused by or occurring in connection with your Business's operation or activities of your personnel in the course of their employment (within and outside your Business and the Premises). All of these policies must contain the minimum coverage we prescribe from time to time, and must have deductibles not to exceed the amounts we specify. We may periodically increase the amounts of coverage required under these insurance policies and/or require different or additional insurance coverages (including reasonable excess liability insurance) at any time. These insurance policies must be purchased from licensed insurers having a rating of "A-/VIII" or higher by the then-current edition of Best Insurance Reports published by A.M. Best Company (or other similar publication or criteria we designate).
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 maintain 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 that Clean Your Dirty Face requires.
The liability insurance that Clean Your Dirty Face franchisees must carry needs to cover claims related to bodily and personal injury, death, and property damage. These claims must be caused by or occur in connection with the franchisee's business operation or the activities of their personnel, whether these activities take place within the business premises or elsewhere during the course of their employment.
Clean Your Dirty Face also has the right to designate the vendor from which franchisees obtain their insurance policies and dictate the terms and specifications of those policies. The policies must contain the minimum coverage Clean Your Dirty Face prescribes and must not exceed the deductible amounts they specify. Clean Your Dirty Face can also periodically increase the required coverage amounts or require different or additional insurance coverages, including reasonable excess liability insurance, at any time.