What is the minimum aggregate liability protection required for the comprehensive general liability insurance policy for an Itan Salon?

According to Itan's 2025 Franchise Disclosure Document, franchisees are required to maintain comprehensive general liability insurance with a minimum aggregate liability protection of $2,000,000. This insurance covers claims for bodily and personal injury, death, and property damage that occur in conjunction with the operation of the Itan salon.

In addition to the general liability insurance, Itan franchisees must also carry specialty product liability and personal injury insurance with $2,000,000 in the aggregate, as well as automobile liability insurance with $1,000,000 combined single limit per occurrence. Furthermore, franchisees are required to maintain "all risk" property insurance, business interruption insurance, worker's compensation, and any other insurance required by law or the lease agreement.

Itan also stipulates that these insurance policies must be obtained from licensed insurance carriers with a rating of A or better by AM Best. The policies must name Itan and its owners, officers, and directors as additional insureds and waive all subrogation rights against them. Franchisees must provide Itan with proof of coverage prior to opening, within 10 days of a policy renewal, and at any other time upon demand. Itan may increase the minimum liability coverage amount or require different or additional types of insurance due to various factors, such as inflation or changes in law. Failing to maintain the required insurance policies allows Itan to obtain the policy on the franchisee's behalf, with the franchisee responsible for reimbursing all premiums and costs incurred.