What is the minimum personal and advertising injury limit required by Craters & Freighters?

According to Craters & Freighters' 2025 Franchise Disclosure Document, franchisees are required to maintain certain insurance coverages. One of these requirements is commercial general liability coverage, which includes personal and advertising injury coverage. The minimum limit for personal and advertising injury coverage is $1,000,000.

In practical terms, this means that a Craters & Freighters franchisee must secure an insurance policy that covers up to $1,000,000 in damages resulting from personal and advertising injuries. This type of insurance protects the franchisee's business from claims of libel, slander, copyright infringement, or other injuries caused by the franchisee's advertising or personal actions.

Craters & Freighters also requires other insurance coverages, including general aggregate coverage of $2,000,000, each occurrence coverage of $1,000,000, products-completed operations aggregate coverage of $2,000,000, fire legal liability coverage of $100,000, blanket contractual liability coverage of $1,000,000, umbrella coverage with a minimum limit of $1,000,000 per occurrence, automobile liability with a minimum limit of $1,000,000 comprehensive per occurrence, and workers compensation coverage with specific limits per accident, per employee, and per policy. Franchisees should consult with a licensed insurance agent or broker to ensure they obtain adequate coverage for their specific needs.