Where can a Deer Solution franchisee find the minimum insurance requirements?

ecifications and approved wrap.

• 1. Insurance You must obtain the insurance coverage that we require from time to time as presently disclosed in the Manuals and as we may modify. All insurance policies required under your Franchise Agreement and as set forth in the Franchise Agreement must be written by a responsible carrier, reasonably acceptable to us and all insurance (excluding workers' compensation) must name us, our officers, directors, shareholders, partners, agents, representatives, and independent contractors as additional insureds. The insurance policies must include a provision that the insurance carrier must provide us with no less than 30 days' prior written in the event of a material alteration to, or cancellation of, any insurance policy. A certificate of insurance must be furnished by you to use at the earlier of 90 days after the Effective Date of the Franchise Agreement or prior to the commencement of our initial training program. Insurance coverage must be at least as comprehensive as the minimum requirements set forth in the chart below and in the Franchise Agreement (Franchise Agreement, Article 8). You must consult your carrier representative to determine the level of coverage necessary for the Franchised Business. Higher exposures may require higher limits.

Insurance Requirements

• a) Coverage against direct physical loss or damage to real and personal property, including improvements and betterments, written on a special form peril basis, including flood and earthquake, if the relevant property is situated in a flood or earthquake zone, in an amount equal to 100% of the Franchised Business' property value, including crime and employee dishonesty coverage of at least $25,000;

• b) Comprehensive general liability insurance, written on an occurrence basis, extended to include contractual liability, product liability, products and completed operations, and personal and advertising injury, with a combined bodily injury and property damage limit of at least $1,000,000 per occurrence and $2,000,000 in aggregate with a pesticide exposure coverage rider of at least $1,000,000, and a per location aggregate endorsement, and if the policy is written on a claims-made form you must have at least one year of tail coverage;

• c) Statutory workers' compensation insurance and employers' liability insurance as required by the law of the state in which the Franchised Business is located, including statutory workers' compensation limits and employers' liability limits of at least $1,000,000;

• d) Commercial automobile insurance, including liability insurance coverage for hired and non-owned automobiles, with a combined single bodily injury and property damage limit of at least $1,000,000 per occurrence, which must include owned auto coverage if any service vehicles are owned, and collision, comprehensive, and property damage coverage to meet value exposure of commercial vehicles;

• e) Business interruption insurance equal to 12 months of your net income and continuing expenses including Royalty Fees;

• f) Commercial umbrella liability insurance with total liability limit of at least $1,000,000;

• g) Network security and privacy liability insurance in the amount of at least $50,000 protecting against first party and third party claims and including breach response expense coverage, and if the policy is written on a claims-made form you must have at least one year of tail coverage;

• h) Employment practices liability insurance with a limit of at least $250,000 including actions of a third party and a minimum limit of $100,000 for wage and hour disputes, but may vary based on law and jurisdiction, and if the policy is written on a claims-made form you must have at least one year of tail coverage;

• i) Pesticide, environmental, and pollution insurance with a limit of at least $1,000,000, and if the policy is written on a claims-made form you must have at least one year of tail coverage; and

• j) All other insurance that we require in the Manuals or that is required by law or by the lease or sublease for the Franchised Business.

Purchase Agreements and Cooperatives

We may, in our discretion, negotiate purchase agreements, including price terms, with designated suppliers for source restricted goods and services on behalf of the System.

Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 24–27)