When must a Deer Solution franchisee furnish a certificate of insurance?

According to Deer Solution's 2025 Franchise Disclosure Document, a franchisee must furnish a certificate of insurance at the earlier of 90 days after the effective date of the Franchise Agreement or prior to the commencement of the initial training program.

Deer Solution requires franchisees to maintain various insurance policies, and these policies must be written by a responsible carrier acceptable to Deer Solution. The insurance, excluding workers' compensation, must name Deer Solution, its officers, directors, shareholders, partners, agents, representatives, and independent contractors as additional insureds. The insurance carrier must provide Deer Solution with at least 30 days' prior written notice in the event of any material alteration or cancellation of the insurance policy.

The required insurance coverage must be at least as comprehensive as the minimum requirements set forth in the Franchise Agreement. Franchisees are advised to consult with their carrier representative to determine the necessary level of coverage for their Franchised Business, as higher exposures may require higher limits. This ensures that both the franchisee and Deer Solution are adequately protected against potential liabilities and risks associated with operating the business.

Deer Solution franchisees must maintain several types of insurance with specific minimum coverage amounts. These include coverage against direct physical loss or damage to real and personal property, comprehensive general liability insurance with a combined bodily injury and property damage limit of at least $1,000,000 per occurrence and $2,000,000 in aggregate, statutory workers' compensation and employers' liability insurance with limits of at least $1,000,000, commercial automobile insurance with a combined single bodily injury and property damage limit of at least $1,000,000 per occurrence, business interruption insurance equal to 12 months of net income and continuing expenses, commercial umbrella liability insurance with a total liability limit of at least $1,000,000, network security and privacy liability insurance in the amount of at least $50,000, employment practices liability insurance with a limit of at least $250,000, and pesticide, environmental, and pollution insurance with a limit of at least $1,000,000.