What are the minimum Employer's Liability insurance limits required for a Hardees franchise?
Hardees Franchise · 2025 FDDAnswer from 2025 FDD Document
ng by Intranet) and establish terms of use for access to any restricted portion of HR's web site. Developer shall keep its copy of the Development Guide current and up-to-date with all additions and deletions provided by HR and shall purchase whatever equipment and related services (including, without limitation, computer system, Internet service, dedicated phone line, etc.) as may be nec
Source: Item 23 — Receipts (FDD pages 85–541)
What This Means (2025 FDD)
According to Hardees's 2025 Franchise Disclosure Document, franchisees are required to maintain Employer's Liability insurance with limits not less than $500,000. This coverage must also be in effect for all of the franchisee's employees who participate in any of the training programs. The specific amount may vary based on state or local laws where the franchised restaurant is operated, potentially requiring additional coverage beyond the stated minimum.
Hardees requires that HR and any entity they designate with an insurable interest be included as an additional insured in the liability policies, with the exception of workers' compensation/employer's liability. All insurance policies must be written by a company satisfactory to HR, adhering to the standards, specifications, coverages, and limits outlined in the OPM (presumably the Operations Procedures Manual) or as otherwise communicated to the franchisee in writing.
It is important to note that Hardees's insurance requirements do not constitute advice that these policies and amounts are sufficient to protect the franchisee from all potential losses. The franchisee is responsible for ensuring they have adequate coverage and is also responsible for any failures to maintain the required insurance. If a franchisee fails to maintain the required insurance, Hardees has the right, but not the obligation, to procure such insurance and charge the cost to the franchisee.