Who must the public liability insurance protect for a Dollar Rent A Car franchise?
Dollar_Rent_A_Car Franchise · 2025 FDDAnswer from 2025 FDD Document
l accounts; and
- c. provide for all other rental customers minimum statutory limits coverage, as required by the laws of your state.
-
- Public liability insurance including commercial general liability, garage liability and garage keeper's legal liability. The insurance must protect yourself, us, your and our shareholders, affiliates, officers, directors, partners and employees, and other franchisees against any claims, loss, liability, personal injury, death, property damage, loss of business income, or expense whatsoever arising or occurring upon or in connection with Your Franchised Business. At minimum, the
policies must include the following (additional coverages, higher policy limits and other provisions may from time to time be prescribed in the Operations Guide):
- a. Commercial general liability insurance (occurrence type, which must include personal injury and advertising liability insurance) with limits of not less than one million dollars ($1,000,000) combined single limit per occurrence; and automobile and truck liability coverage for all owned, non-owned, and hired vehicles, covering bodily injury, including death, and property damage with limits of not less than one million dollars ($1,000,000) combined single limit per occurrence. This insurance must be primary and non-contributory.
- b.
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 52–58)
What This Means (2025 FDD)
According to the 2025 Dollar Rent A Car Franchise Disclosure Document, the public liability insurance a franchisee must obtain must protect several parties. Specifically, the insurance must protect the franchisee, Dollar Rent A Car itself, and the shareholders, affiliates, officers, directors, partners, and employees of both the franchisee and Dollar Rent A Car. The insurance extends to protecting other Dollar Rent A Car franchisees as well.
This broad protection covers claims, losses, liabilities, personal injury, death, property damage, loss of business income, or expenses arising from the operation of the Dollar Rent A Car franchised business. This requirement ensures that multiple stakeholders are shielded from potential financial risks associated with the business's operations.
In addition to the parties listed above, the automobile liability insurance must provide coverage of $1,000,000 combined single limits per occurrence for the franchisee, Dollar Rent A Car, its affiliates, and all other franchisees. It must also provide coverage for certain corporate account renters with whom Dollar Rent A Car has corporate or special account agreements and all other rental customers minimum statutory limits coverage, as required by the laws of the franchisee's state.