What is the minimum fire legal liability limit required by Craters & Freighters?

According to Craters & Freighters' 2025 Franchise Disclosure Document, franchisees are required to maintain a minimum fire legal liability coverage of $100,000 as part of their insurance requirements. This is one component of a broader insurance package that Craters & Freighters mandates for its franchisees.

In addition to fire legal liability, Craters & Freighters requires franchisees to have commercial general liability coverage, umbrella coverage, automobile liability coverage, and workers compensation coverage. The commercial general liability coverage includes specific limits for general aggregate ($2,000,000), each occurrence ($1,000,000), products-completed operations aggregate ($2,000,000), personal and advertising injury ($1,000,000), and blanket contractual liability ($1,000,000). Franchisees must also carry umbrella coverage with a minimum limit of $1,000,000 per occurrence and automobile liability with a minimum limit of $1,000,000 comprehensive per occurrence on all hired, owned, and non-owned vehicles. Workers compensation coverage must comply with state law and have specific limits for each accident ($1,000,000), disease per employee ($1,000,000), and disease policy limit ($1,000,000).

Craters & Freighters emphasizes that these are minimum insurance requirements and strongly recommends that franchisees consult with a licensed insurance agent or broker to determine if additional coverage, such as warehouse storage and cyber insurance, is necessary for their specific business needs. This recommendation highlights the importance of assessing individual risk factors and ensuring adequate protection beyond the basic requirements set by the franchisor.