What specific coverages are included within the Commercial General Liability insurance that a Cream franchisee must maintain?

According to Cream's 2025 Franchise Disclosure Document, franchisees are required to maintain Commercial General Liability insurance with specific coverages and minimum limits. The policy must include bodily injury and property damage coverage with a limit of $1,000,000 per occurrence and $2,000,000 in the aggregate. Additionally, the policy must provide $2,000,000 in products liability, personal and advertising liability, and products and completed operations coverage.

This requirement ensures that Cream franchisees have adequate financial protection against potential liabilities arising from their business operations. The specified coverages address various risks, including injuries or damages occurring on the premises, liabilities related to the products sold, and damages resulting from advertising or completed operations. By setting these minimum coverage limits, Cream aims to protect both the franchisee and the brand from significant financial losses due to unforeseen events.

Franchisees should carefully review their insurance policies to ensure they meet Cream's requirements. It is also important to understand the terms and conditions of each coverage to be aware of any exclusions or limitations. Maintaining adequate insurance coverage is a crucial aspect of operating a Cream franchise, as it helps mitigate potential risks and safeguard the franchisee's investment.