Who must be named as an additional insured in Hardees liability insurance policies, excluding workers' compensation/employer's liability?

According to Hardees' 2025 Franchise Disclosure Document, HR (Hardees Restaurants LLC) and any entity with an insurable interest designated by HR must be named as an additional insured in the franchisee's liability insurance policies. This excludes workers' compensation/employer's liability coverage.

This requirement means that Hardees, as the franchisor, wants to ensure it is protected from potential liabilities arising from the operation of the franchised restaurant. By being named as an additional insured, Hardees can directly benefit from the franchisee's insurance coverage in the event of a claim. This is a common practice in franchising, as it provides an extra layer of security for the franchisor.

The franchisee is responsible for securing and maintaining the required insurance coverage throughout the term of the franchise agreement. The franchisee must ensure that the insurance policies comply with the standards, specifications, coverages, and limits set forth in Hardees' OPM (Operations Procedures Manual) or as otherwise provided in writing. Failure to comply with these insurance requirements could result in Hardees procuring the insurance and charging the cost to the franchisee.