How many months of income must the business interruption insurance cover for a Crave Cookies franchise?

According to Crave Cookies' 2025 Franchise Disclosure Document, franchisees must maintain business interruption insurance that covers at least 12 months of income. This insurance is designed to protect the franchisee's revenue stream in the event of unforeseen circumstances that temporarily halt business operations, such as a fire, natural disaster, or other covered event.

Having business interruption insurance that covers 12 months of income is a crucial safety net for Crave Cookies franchisees. It ensures that they can continue to meet their financial obligations, such as rent, utilities, and employee salaries, even when their business is temporarily unable to generate revenue. This coverage can be the difference between surviving a crisis and being forced to close the business permanently.

Beyond the business interruption insurance, Crave Cookies also requires franchisees to maintain other insurance policies, including commercial general liability insurance with specified coverage limits, business automobile liability insurance, and workers' compensation coverage as required by state law. Franchisees must also ensure that their insurance policies list Crave Cookies Franchising and its affiliates as additional insured, include a waiver of subrogation, and provide Crave Cookies Franchising with advance notice of any policy cancellation. These comprehensive insurance requirements reflect Crave Cookies' commitment to protecting its brand and franchisees from potential liabilities and financial losses.