Does Epcon Communities' insurance coverage limit the franchisee's obligation to obtain and maintain specified insurance coverages?

According to Epcon Communities' 2025 Franchise Disclosure Document, the franchisee's obligation to obtain and maintain specified insurance coverages will not be limited in any way by insurance that Epcon Communities maintains. Furthermore, the franchisee's insurance coverage will not relieve them of liability under any indemnity provisions of the Franchise Agreement. Epcon Communities may also require that public liability policies contain a provision that allows them to recover under the policy even in the event of the franchisee's negligence.

In practical terms, this means that as an Epcon Communities franchisee, you cannot rely on any insurance coverage maintained by Epcon Communities to reduce your own insurance obligations. You must secure and maintain the required insurance coverages, regardless of any insurance Epcon Communities might have. This ensures that you are fully protected against potential liabilities arising from your operations.

This requirement is fairly standard in franchising, as franchisors typically want to ensure that franchisees are independently responsible for their own liabilities. The franchisee is responsible for meeting any other insurance-related obligations in the Franchise Agreement. This could potentially increase the overall cost of doing business as an Epcon Communities franchisee, as you'll need to budget for comprehensive insurance coverage that fully protects your business and assets.