Must Crave Franchising, LLC be included as additional insureds on the general liability and auto liability policies?

According to Crave's 2025 Franchise Disclosure Document, franchisees are required to include Crave Franchising, LLC as additional insureds on their general liability and auto liability insurance policies. This coverage must be on a primary non-contributory basis.

The FDD specifies that the additional insureds should be listed on the insurance certificate as "CRAVE Franchising, LLC and its member, officers, directors, partners, shareholders, regional directors, subsidiaries and affiliates, agents and employees." Furthermore, this must be provided on an Additional Insured Grantor of Franchise Endorsement form CG2029, or a comparable endorsement form acceptable to Crave.

This requirement protects Crave from potential liabilities related to the franchisee's operations. By being named as an additional insured, Crave can rely on the franchisee's insurance coverage in the event of a claim. Franchisees must ensure their insurance policies meet these requirements to comply with the franchise agreement. Franchisees must also ensure that their insurance is underwritten by insurers licensed and permitted to write coverage in the state in which the Franchised Business is located.

It is also important to note that Crave Franchising, LLC may unilaterally modify the insurance minimum coverage requirements each year, which may include increases to reflect changes in inflation or as market conditions warrant. Franchisees are also required to provide Certificates of Insurance evidencing the existence and continuation of proper coverage to Crave at least ten days before construction and/or improvement of the Franchised Business begins, and no fewer than thirty days prior to the expiration of any such policy.