According to Hydrodog's 2025 Franchise Disclosure Document, franchisees are required to name Hydrodog and its affiliates as additional insureds on their insurance policies. Specifically, all insurance policies that a Hydrodog franchisee obtains must include a provision to name Hydrodog and its affiliates as additional insureds.

This requirement protects Hydrodog from potential liabilities arising from the franchisee's operations. By being named as an additional insured, Hydrodog can be directly covered under the franchisee's insurance policies for claims related to the Hydrodog business. This is a fairly standard practice in franchising, as it provides an additional layer of financial protection for the franchisor.

The franchisee is responsible for ensuring that their insurance policies meet this requirement and for providing evidence of coverage to Hydrodog. Failure to comply with insurance requirements can result in Hydrodog obtaining the necessary coverage on the franchisee's behalf, with the franchisee bearing the costs. This underscores the importance of understanding and adhering to the insurance obligations outlined in the franchise agreement.