When undertaking construction, leasehold improvements, renovation, refurbishment, or remodeling of a Hardees Franchised Restaurant, what types of insurance must the Developer's general contractor maintain?
Hardees Franchise · 2025 FDDAnswer from 2025 FDD Document
ity, and loss payee for property to the extent each has an insurable interest.
All insurance policies shall be written by an insurance company or companies satisfactory to HR, in compliance with the standards, specifications, coverages and limits set forth in the OPM or otherwise provided to Developer in writing. These policies shall include, at a minimum, the following:
- (1) Commercial General Liability insurance with policy limits not less than $5,000,000 per occurrence and in the aggregate. Coverage shall apply per location, includin
Source: Item 23 — Receipts (FDD pages 85–541)
What This Means (2025 FDD)
According to Hardees's 2025 Franchise Disclosure Document, when a developer undertakes construction, leasehold improvements, renovation, refurbishment, or remodeling of a Hardees restaurant, the general contractor must maintain specific insurance coverage. This includes Commercial General Liability insurance, which covers products liability and independent contractors. The contractor must also have Automobile Liability coverage for owned, leased, hired, and non-owned vehicles.
In addition to these liability coverages, the general contractor is required to maintain Builder's Risk insurance. All of these policies must have limits no less than $1,000,000, and Hardees must be named as an additional insured on the policies.
The general contractor must also maintain Workers' Compensation and Employer's Liability insurance as required by state law. This ensures that workers are covered in case of on-the-job injuries during the construction or remodeling process. These insurance requirements protect Hardees from potential liabilities and ensure that the construction or remodeling is done responsibly.