Does Learningrx require franchisees to carry special coverage if they provide in-home training?
Learningrx Franchise · 2025 FDDAnswer from 2025 FDD Document
based on their use of designated or approved suppliers.
For all LearningRx Centers, you will maintain and purchase insurance in the following amounts and categories: Property insurance adequate to replace the contents of the Center; General Liability, including, but not limited to Professional Liability coverage in the amount of not less than $1,000,000 per occurrence and $2,000,000 annual aggregate; Corporal Punishment & Hired and Non-Owned Auto Liability coverage in the amount of $1,000,000 per occurrence; Sexual Abuse and Molestation not less than $1,000,000 per occurrence and $1,000,000 annual aggregate; Workers' Compensation based on the statutory requirement of your state. You must also carry special coverage if we approve any request for you to provide in-home training. An Umbrella Liability policy is also recommended.
You must maintain insurance policies covering your entity and LearningRx Franchise Corporation as an "additional insured" and "Grantor of Franchise". We have the right to add categories and adjust the amounts required periodically as we deem necessary. You are required to comply with all property, liability, and other insurance required in the Operations Manual at all times. Yo
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 22–24)
What This Means (2025 FDD)
According to Learningrx's 2025 Franchise Disclosure Document, franchisees must carry special insurance coverage if they receive approval to provide in-home training services. In addition to this special coverage, Learningrx requires franchisees to maintain several other insurance policies.
These include property insurance sufficient to replace the center's contents, general liability coverage of at least $1,000,000 per occurrence and $2,000,000 annual aggregate (including professional liability), corporal punishment & hired and non-owned auto liability coverage of $1,000,000 per occurrence, sexual abuse and molestation coverage of not less than $1,000,000 per occurrence and $1,000,000 annual aggregate, and workers' compensation based on state statutory requirements. Learningrx also recommends an umbrella liability policy.
Learningrx franchisees must list Learningrx Franchise Corporation as an additional insured and Grantor of Franchise on their insurance policies. Learningrx retains the right to modify the required insurance categories and amounts as necessary. Franchisees must adhere to all insurance requirements outlined in the Operations Manual and comply with all state and federal laws regarding insurance.