What is the minimum aggregate liability coverage required for Healthsource Chiropractic's professional liability (malpractice) insurance?

Based on the 2025 Franchise Disclosure Document, the specific minimum aggregate liability coverage required for Healthsource Chiropractic's professional liability (malpractice) insurance is not detailed in the provided excerpts. However, the FDD does state that franchisees must maintain insurance coverage under policies issued by carriers in good standing within the state where their clinic is located. This includes comprehensive commercial general liability and motor vehicle liability insurance against claims for bodily and personal injury, death, and property damage.

The FDD emphasizes that franchisees should consult with their own insurance agents, brokers, and attorneys to determine the types and levels of insurance protection they need, in addition to the minimum limits specified by Healthsource Chiropractic. This suggests that while Healthsource Chiropractic sets minimum requirements, franchisees are responsible for ensuring they have adequate coverage for their specific circumstances.

Prospective Healthsource Chiropractic franchisees should directly ask the franchisor for the specific minimum amounts of professional liability (malpractice) insurance required. Additionally, franchisees should inquire about any specific endorsements required on their malpractice policy, such as naming Management Company, HealthSource, and their respective owners, directors, employees, agents, and affiliates as additional insureds.