What is the minimum combined single limit per occurrence 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 liability protection of $2,000,000 combined single limit per occurrence. Additionally, the policy must have $2,000,000 in the aggregate. This insurance covers claims for bodily and personal injury, death, and property damage caused by or occurring in conjunction with the operation of the Itan Salon.

Itan also requires franchisees to maintain other insurance policies, including "all risk" property insurance, specialty product liability and personal injury insurance, automobile liability and property damage insurance, business interruption insurance, and worker's compensation and employer's liability insurance. The franchisor can also increase the minimum liability coverage amount of any policy and/or require different or additional types of insurance, including excess liability (umbrella) insurance, due to inflation, special risks, changes in Law or standards of liability, higher damage awards or other relevant changes in circumstances.

It is important to note that these are minimum requirements, and Itan advises franchisees to procure additional coverage if they deem it necessary. Franchisees must provide proof of coverage to Itan prior to opening, within 10 days after a policy renewal, and at any other time upon demand. The insurance policies must be obtained from licensed insurance carriers rated A or better by AM Best and must name Itan and its owners, officers, and directors as additional insureds and waive all subrogation rights against Itan.