What are the requirements for business interruption insurance for a Monicals Pizza franchise?

According to the 2025 Monicals Pizza Franchise Disclosure Document, franchisees are required to maintain business interruption insurance. However, the specific amounts and terms of this insurance must be acceptable to Monicals Pizza.

This means that while Monicals Pizza mandates this type of coverage, they retain the authority to determine if the policy's coverage amount and provisions adequately protect their interests. A prospective franchisee should discuss these requirements in detail with Monicals Pizza to understand what specific coverage levels and terms will be deemed acceptable. This will help the franchisee budget accurately for insurance expenses and ensure they obtain a policy that meets Monicals Pizza's standards.

In addition to business interruption insurance, Monicals Pizza franchisees must also carry other types of insurance, including automobile liability insurance of $1,000,000, umbrella excess liability insurance of $2,000,000, and cyber and restaurant recovery insurance of $1,000,000 each. Monicals Pizza also has the right to increase the minimum liability protection requirements annually.