Must Focalpoint Coaching franchisees renew their insurance policies?

According to Focalpoint Coaching's 2025 Franchise Disclosure Document, franchisees are required to maintain specific insurance coverage throughout the term of their Franchise Agreement. This includes comprehensive public liability, general liability, product liability, and motor vehicle liability insurance.

The franchisee must provide Focalpoint Coaching with copies of Certificates of Insurance or other evidence of the required coverages no later than ten days before commencing operations. Furthermore, on an annual basis, franchisees must furnish copies of these certificates or other evidence of maintained coverage and premium payments to Focalpoint Coaching.

To ensure continuous coverage, Focalpoint Coaching franchisees must renew all insurance policies and documents, providing copies of renewal Certificates of Insurance or other required evidence to Focalpoint Coaching before the policy's expiration date. These policies must also name Focalpoint Coaching and its affiliates as additional insureds and provide thirty days' prior written notice of any material modification, cancellation, or expiration.

Failure to maintain or renew the required insurance policies could result in a breach of the Franchise Agreement, potentially leading to penalties or termination of the franchise. This requirement ensures that both the franchisee and Focalpoint Coaching are protected against potential liabilities and claims arising from the operation of the franchised business.