What is the minimum combined single limit required for Automobile Liability coverage per accident for a Hardees franchise, including owned, leased, non-owned, and hired vehicles?

According to Hardees' 2025 Franchise Disclosure Document, franchisees 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. Hardees also requires additional liability coverage as needed for delivery services. This coverage may be included as part of a package policy.

This insurance requirement protects Hardees and the franchisee from potential financial losses due to accidents involving vehicles used in the operation of the franchise. The $1,000,000 minimum limit ensures that there is sufficient coverage to handle potential liabilities arising from an accident, including bodily injury and property damage. Franchisees should consult with their insurance provider to determine the appropriate level of coverage needed for their specific circumstances, especially if they offer delivery services.

Hardees specifies that all insurance policies must be written by an insurance company satisfactory to them and comply with the standards, specifications, coverages, and limits set forth in the OPM (Operation Procedures Manual) or otherwise provided to the franchisee in writing. Hardees also requires to be named as an additional insured in such liability policies. Franchisees must provide evidence of satisfactory insurance and proof of payment to Hardees no later than 30 days prior to the scheduled opening date of the Franchised Restaurant, the date Franchisee takes possession of the Franchised Location, or the date construction commences at the Franchised Location, if Franchisee is contractually obligated for the construction.