How many days before the expiration of each policy must a Crave franchisee provide certificates of insurance?

According to Crave's 2025 Franchise Disclosure Document, franchisees must provide certificates of insurance to Crave 30 days before the expiration of each insurance policy. This requirement ensures that Crave is aware of the franchisee's insurance status and can confirm continuous coverage, mitigating potential risks associated with lapses in insurance.

In addition to providing certificates of insurance 30 days before expiration, Crave franchisees must also provide the initial certificates of insurance showing they have obtained the required insurance coverages at least ten days before construction of the Restaurant begins or before taking delivery of the Food Truck. This dual requirement highlights the importance Crave places on ensuring franchisees maintain adequate insurance coverage from the outset of their operations and throughout the term of their agreement.

Crave also retains the right to modify its insurance requirements during the term of the Franchise Agreement, communicating any changes in the Manual or in writing. This flexibility allows Crave to adapt to changing market conditions or regulatory requirements, ensuring that franchisees maintain appropriate coverage levels. Franchisees should carefully review the insurance requirements outlined in the Franchise Agreement and Manual and maintain open communication with Crave to stay informed of any changes.