What is the minimum limit for Commercial General Liability insurance per occurrence that a Cream franchisee must maintain?
Cream Franchise · 2025 FDDAnswer from 2025 FDD Document
| Policy/Coverage Type | Minimum Limits |
|---|---|
| Commercial General Liability | $1,000,000 per occurrence and $2,000,000 in the aggregate, |
| including bodily injury and property damage; $2,000,000 | |
| products liability, personal and advertising liability, and products | |
| and completed operations coverage. |
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 22–24)
What This Means (2025 FDD)
According to Cream's 2025 Franchise Disclosure Document, franchisees are required to maintain certain insurance policies for their shops. One of these is Commercial General Liability insurance, which must have a minimum limit of $1,000,000 per occurrence. This coverage includes bodily injury and property damage.
In addition to the per occurrence limit, Cream franchisees must also maintain Commercial General Liability insurance with a $2,000,000 aggregate limit. This aggregate coverage also encompasses products liability, personal and advertising liability, and products and completed operations coverage.
Cream also requires franchisees to carry Auto Liability insurance with a $1,000,000 combined single limit for all owned, hired, and non-owned automobiles used in connection with their shops. These insurance requirements are part of Cream's broader effort to manage risk and protect the brand, the franchisees, and the customers.