How much prior written notice of termination, expiration, cancellation, or material modification of any insurance policy must the insurance company provide to Hydrodog?

According to Hydrodog's 2025 Franchise Disclosure Document, Hydrodog franchisees must ensure that their insurance policies provide Hydrodog with at least 30 days' prior written notice regarding any termination, expiration, cancellation, or material modification of the policy. This requirement is designed to protect Hydrodog by giving them advance warning of any changes to the franchisee's insurance coverage. This allows Hydrodog time to ensure continuous and adequate coverage is maintained.

This requirement is a standard practice in franchising, as franchisors need to protect their brand and avoid potential liabilities arising from underinsured franchisees. By mandating a 30-day notice, Hydrodog can take proactive steps to address any gaps in coverage, potentially by securing insurance on behalf of the franchisee if necessary, although at the franchisee's expense.

The franchisee also cannot reduce the policy limits, restrict coverage, cancel, or otherwise alter or amend the policies without Hydrodog's prior written consent. Any such attempt without consent is considered a material breach of the Franchise Agreement. This provision ensures that franchisees do not compromise their insurance coverage without Hydrodog's knowledge and approval, further safeguarding Hydrodog's interests.