Does Degree Wellness's insurance coverage reduce a franchisee's obligation to maintain their own insurance coverage?

According to Degree Wellness's 2025 Franchise Disclosure Document, the insurance coverage that Degree Wellness maintains does not reduce a franchisee's obligation to maintain their own insurance coverage. The franchisee is required to maintain insurance coverage as described in the franchise agreement, and this obligation will not be reduced by any separate insurance Degree Wellness maintains for its own protection. Furthermore, Degree Wellness's insurance does not relieve the franchisee of any obligations under the agreement.

As a Degree Wellness franchisee, it is important to consult with your own insurance agents, brokers, and attorneys to determine the types and levels of insurance protection you may need or desire, in addition to the minimum requirements specified by Degree Wellness. This ensures that you have adequate coverage for your specific circumstances and potential risks associated with operating the franchise.

The franchisee is responsible for all loss, damage, and contractual liability to third persons originating from or connected with the operation of the franchise. This includes claims for damages to property or for injury, illness, or death of persons. The franchisee agrees to defend, indemnify, and hold Degree Wellness harmless from any such claims, loss, or damage, and this indemnity survives the termination or expiration and non-renewal of the franchise agreement.