According to Crave's 2025 Franchise Disclosure Document, franchisees are required to maintain Employer's Liability coverage with minimum limits of $1,000,000 for each employee for bodily injury by accident. This coverage is part of the overall insurance requirements that Crave mandates to protect both the franchisee and the franchisor from potential liabilities.

This requirement means that a Crave franchisee must secure an insurance policy that will cover up to $1,000,000 in damages for each employee in the event of a workplace accident that results in bodily injury. This coverage is crucial for mitigating financial risks associated with employee injuries and potential lawsuits. It is important to note that this is a minimum limit, and franchisees may choose to obtain higher coverage limits for added protection.

Crave also requires Worker's Compensation insurance with statutory limits, or if no statutory limits exist, with minimum limits of $500,000 per occurrence. Additionally, the franchisee must ensure that the insurer issues an endorsement providing stopgap insurance in monopolistic states where the leased premises are located. These insurance requirements are designed to ensure that Crave franchisees are adequately protected against various liabilities and risks associated with operating a restaurant business.

Prospective franchisees should carefully review the insurance requirements outlined in the Franchise Agreement and consult with an insurance professional to ensure they obtain the necessary coverage to meet Crave's standards and protect their investment. Failing to maintain the required insurance coverage could result in a breach of the Franchise Agreement and potential financial liabilities for the franchisee.