Does Hydrodog have specific Insurance Requirements for franchisees?
Hydrodog Franchise · 2025 FDDAnswer from 2025 FDD Document
ces will we or any other Indemnified Party be required to seek recovery from any insurer or other third party, or otherwise to mitigate our, their or your losses and expenses, in order to maintain and recover fully a claim against you. You agree that a failure to pursue such recovery or mitigate a loss will in no way reduce or alter the amounts we or another Indemnified Party may recover from you.
19. INSURANCE.
- 19.1 Types Required. Throughout the duration of this Agreement, you are required to maintain, at your own expense, the following types of insurance coverage under policies issued by carriers that we approve. These insurance coverage types must not be altered or reduced without obtaining our prior written approval:
- (a) general liability ($1,000,000/$2,000,000) with pet groomer professional liability coverage;
- (b) animal bailee ($5,000);
- (c) commercial automobile ($1,000,000) with uninsured motorist coverage ;
- (d) workers' compensation in the amounts required by applicable law for your HydroDog Business; and
- (a) general liability ($1,000,000/$2,000,000) with pet groomer professional liability coverage;
- (e) such other insurance as is required under the automobile lease agreement and any lease or other financing document (if any) for your HydroDog Business.
- 19.2 Coverage Requirements. You must maintain the insurance coverages in the minimum amounts we prescribe from time-to-time in our System Standards.
Source: Item 23 — RECEIPTS (FDD pages 43–166)
What This Means (2025 FDD)
According to Hydrodog's 2025 Franchise Disclosure Document, franchisees are required to maintain specific types of insurance coverage throughout the duration of the franchise agreement. These policies must be issued by carriers approved by Hydrodog, and the coverage types cannot be altered or reduced without prior written approval from Hydrodog.
The required insurance coverage includes general liability ($1,000,000/$2,000,000) with pet groomer professional liability coverage, animal bailee ($5,000), and commercial automobile ($1,000,000) with uninsured motorist coverage. Franchisees must also maintain workers' compensation in the amounts required by applicable law for their HydroDog Business, as well as any other insurance required under the automobile lease agreement and any lease or other financing document for their HydroDog Business.
Hydrodog may periodically increase the required coverage amounts to reflect inflation, new risks, changes in law, higher damage awards, or other relevant changes. All insurance policies must adhere to specific terms outlined by Hydrodog. Furthermore, franchisees must furnish copies of all required insurance policies or other evidence of coverage and premium payments before opening their HydroDog Business.