What is the minimum personal/advertising injury coverage required for Kitchen Solvers general liability insurance?

According to Kitchen Solvers's 2025 Franchise Disclosure Document, franchisees are required to maintain general liability insurance with a minimum of $1,000,000 for personal/advertising injury. This coverage is part of a broader set of insurance requirements that Kitchen Solvers mandates to protect the brand and cover potential liabilities.

In addition to the personal/advertising injury coverage, Kitchen Solvers also requires franchisees to have $1,000,000 per occurrence and $2,000,000 general and products/completed operations aggregate coverage. Other insurance requirements include $50,000 for rented premises damage and $5,000 for medical expenses. These minimums are designed to provide a financial safety net in case of accidents, injuries, or damages related to the operation of the Kitchen Solvers franchise.

Kitchen Solvers retains the right to increase these minimum liability protection requirements annually to account for factors like inflation, changes in liability standards, and higher damage awards. Franchisees must ensure that their insurance policies are with an A-VII or higher AM Best-rated carrier and that Kitchen Solvers is named as an additional insured party. Furthermore, Kitchen Solvers requires a waiver of subrogation and 30 days' prior written notice of any policy changes. Franchisees must provide Kitchen Solvers with annual proof of insurance coverage, and failure to maintain adequate coverage may result in Kitchen Solvers obtaining insurance on the franchisee's behalf, with the franchisee responsible for reimbursing all costs and expenses incurred.