What is the Marble Slab Creamery franchisee's responsibility regarding worker's compensation insurance?
Marble_Slab_Creamery Franchise · 2025 FDDAnswer from 2025 FDD Document
ion, and provide Franchisor with timely reports and any other relevant information Franchisor requests for the market research. Franchisee must purchase for the Restaurant at the Accepted Location a reasonable quantity of the test products, and Franchisee must effectively promote and make a reasonable effort to sell test products.
11. INSURANCE
11.1 Franchisee will procure, before the commencement of any operations under this Agreement, and will maintain in full force and effect at all times during the term of this Agreement, at Franchisee's expense, an insurance policy or policies protecting Franchisee and Franchisor, and their respective officers, directors, partners, agents, and employees, against any demand or claim with respect to personal injury, death, or property damage, or any loss, liability, or expense whatsoever arising or occurring upon or in connection with the Restaurant, including, but not limited to, comprehensive general liability insurance, property and casualty insurance, statutory worker's compensation insurance, and business interruption insurance. Notwithstanding the foregoing, Franchisee must procure, before the commencement of the initial training program offered by Franchisor, statutory worker's compensation insurance covering all participants in the training program. Such policy or policies will be written by an insurance company acceptable to Franchisor,
will name Franchisor and its Affiliates as an additional insureds, and will provide, at a minimum (except as additional coverages and higher policy limits may reasonably be specified by Franchisor from time to time), the types and minimum amounts of coverage specified in the Manual or otherwise in writing.
Source: Item 22 — CONTRACTS (FDD page 101)
What This Means (2025 FDD)
According to the 2025 Marble Slab Creamery Franchise Disclosure Document, franchisees are required to obtain and maintain statutory worker's compensation insurance. This insurance must be in effect before the commencement of any operations under the Franchise Agreement and must be maintained throughout the term of the agreement.
Specifically, franchisees must secure worker's compensation insurance that covers all participants in the initial training program offered by Marble Slab Creamery before the training even begins. The insurance policy must protect both the franchisee and Marble Slab Creamery, including their respective officers, directors, partners, agents, and employees, against any claims related to personal injury, death, property damage, loss, liability, or expense occurring in connection with the restaurant.
The insurance policy must be written by a company acceptable to Marble Slab Creamery and must name Marble Slab Creamery and its affiliates as additional insureds. The types and minimum amounts of coverage must meet the specifications outlined in the Manual or as otherwise specified in writing by Marble Slab Creamery. Marble Slab Creamery retains the right to obtain information about the franchisee's insurance policies and any claims made under those policies directly from the insurance carriers. Franchisees must also provide any necessary instruments or acts to enable Marble Slab Creamery to obtain this information upon request.