Is there any other insurance coverage that may be required for a Gold Star restaurant, and what is the dependency?

According to Gold Star's 2025 Franchise Disclosure Document, in addition to the specific insurance coverage listed, a franchisee may be required to obtain "any other insurance coverage that may be required by your lease." This means the specific terms of the lease agreement for the restaurant location could impose additional insurance requirements beyond those mandated directly by Gold Star.

This dependency on the lease agreement means that prospective Gold Star franchisees need to carefully review the insurance clauses in their lease before signing. The landlord may require specific types or amounts of coverage to protect their interests in the property. These requirements could add to the overall cost of operating the franchise.

It is also recommended that franchisees obtain Employment Practices Liability insurance with $1,000,000 per claim and Cyber Liability insurance with a $250,000 minimum. Franchisees should consult with their insurance advisors to ensure they have adequate coverage to meet both Gold Star's requirements and the stipulations of their lease agreement, as well as to assess their specific risk profile and determine appropriate coverage levels.