What is the minimum combined single limit required for Automobile Liability coverage, including owned, leased, non-owned and hired vehicles, for a Hardees franchise?
Hardees Franchise · 2025 FDDAnswer from 2025 FDD Document
damage, or expense whatsoever occurring upon the premises of, or in connection with the development or operation of, the Franchised Restaurant. Franchisee shall, at its sole expense, maintain in full force and effect throughout the term of this Agreement that insurance whic
Source: Item 23 — Receipts (FDD pages 85–541)
What This Means (2025 FDD)
According to Hardees's 2025 Franchise Disclosure Document, a franchisee must maintain Automobile Liability coverage for owned, leased, non-owned, and hired vehicles. The minimum combined single limit required is $1,000,000 per accident.
This coverage may be included as part of a package policy. Hardees, referred to as HR in the document, also requires additional liability coverage if the franchisee offers delivery services.
The franchisee is responsible for ensuring that all insurance policies are written by a company satisfactory to Hardees and comply with the standards, specifications, coverages, and limits set forth in the OPM (presumably the Operations Procedures Manual) or otherwise provided to the franchisee in writing.