What specific coverage is required within the general liability insurance for a HydroDog franchise?
Hydrodog Franchise · 2025 FDDAnswer from 2025 FDD Document
surance or other evidence satisfactory to us.
Currently we require the following insurance: general liability ($1,000,000/$2,000,000) with pet groomer professional liability coverage, animal bailee ($5,000), commercial automobile ($1,000,000) with uninsured motorist coverage (HydroDog Vehicle) and Worker's Compensation where necessary.
All insurance policies, except your workers compensation and commercial property liability policies, must contain, or be endorsed to contain, a provision naming us and our related entities as an additional insured. Specifically, with respect to liability arising from your premises, operations, products, and completed operations, the general liability policy should include an additional insured – grantor of franchise endorsement.
All required insurance policies, except for your Workers' Compensation policy, must be written by insurance companies with a rating of A-VIII (eight) or better in the most recent A.M. Best's Insurance Report (or other comparable publication we specify). Workers' Compensation policies can be issued by insurance companies with a policyholder rating of B plus (B+) or better. Insurance coverage requirements are more specifically set forth in the Manual and are subject to change from time to time. We may require that you obtain all or a portion of your insura
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 18–21)
What This Means (2025 FDD)
According to Hydrodog's 2025 Franchise Disclosure Document, franchisees are required to maintain specific insurance coverage, including general liability insurance. The general liability insurance must have coverage of $1,000,000 per occurrence and $2,000,000 in the aggregate. Additionally, the general liability policy must include pet groomer professional liability coverage.
Hydrodog also requires that the general liability policy include an additional insured – grantor of franchise endorsement, specifically with respect to liability arising from the franchisee's premises, operations, products, and completed operations. This means Hydrodog and its related entities must be named as additional insureds on the policy, except for workers compensation and commercial property liability policies.
All required insurance policies, except for Workers' Compensation, must be written by insurance companies with a rating of A-VIII (eight) or better in the most recent A.M. Best's Insurance Report (or other comparable publication specified by Hydrodog). Workers' Compensation policies can be issued by insurance companies with a policyholder rating of B plus (B+) or better. These insurance requirements are subject to change and are detailed in the Hydrodog manual. Hydrodog retains the right to require franchisees to obtain insurance policies from a supplier designated by them.