What ISO Additional Insured Endorsement is required for Epcon Communities franchisees?
Epcon_Communities Franchise · 2025 FDDAnswer from 2025 FDD Document
The policy shall name Epcon Communities Franchising, LLC as an additional insured, using ISO Additional Insured Endorsement CG2029 (04-13 or 12-19) or its equivalent which provides premises and completed operations coverage.
Source: Item 23 — RECEIPTS (FDD pages 86–280)
What This Means (2025 FDD)
According to Epcon Communities' 2025 Franchise Disclosure Document, franchisees are required to secure a general liability insurance policy. This policy must name Epcon Communities Franchising, LLC as an additional insured.
The specific ISO (Insurance Services Office) Additional Insured Endorsement required is CG2029, with acceptable versions being either the 04-13 or 12-19 release. The endorsement must provide both premises and completed operations coverage, ensuring Epcon Communities is protected from liabilities arising from the franchisee's project development activities, both during and after completion.
This requirement ensures that Epcon Communities is protected from potential liabilities arising from the franchisee's operations. Franchisees must ensure their insurance policies meet this specific endorsement requirement to comply with the franchise agreement. The franchisee is responsible for maintaining this insurance coverage throughout the term of the agreement.