How much business interruption insurance is required for a Crave Cookies franchise?

According to Crave Cookies's 2025 Franchise Disclosure Document, franchisees are required to maintain business interruption insurance. This insurance must cover at least 12 months of income.

This requirement ensures that if a Crave Cookies location experiences a covered event that disrupts business operations, such as a fire or natural disaster, the franchisee will have insurance coverage to replace lost income for up to a year. This helps the franchisee meet ongoing financial obligations, such as rent, utilities, and employee wages, while the business is temporarily closed for repairs or rebuilding.

In addition to business interruption insurance, Crave Cookies franchisees must also maintain other types of insurance coverage, including "Special" causes of loss coverage, Commercial General Liability insurance ($1,000,000 single limit per occurrence and $2,000,000 aggregate limit), Business Automobile Liability insurance ($1,000,000), and Workers Compensation coverage as required by state law. Franchisees must provide certificates of insurance to Crave Cookies Franchising prior to opening and upon annual renewal.