What are the requirements for Workers Compensation/Employers Liability insurance for a Mr. Sandless franchise?

According to the 2025 Mr. Sandless Franchise Disclosure Document, franchisees are required to maintain Workers Compensation/Employers Liability insurance with state statutory limits. This means the specific coverage amounts will vary based on the laws of the state in which the franchise operates, ensuring compliance with local regulations regarding workplace injuries and employee protection.

In addition to Workers Compensation, Mr. Sandless franchisees must also carry several other types of insurance, including General Liability ($500,000 per occurrence and $1,000,000 aggregate), Auto Liability ($500,000 Combined Single Limit), Property coverage, and Employer Practices Liability Insurance ($1,000,000). These policies protect both the franchisee and Mr. Sandless from various liabilities and potential financial losses.

All insurance policies must be written by a company acceptable to Mr. Sandless and must name Mr. Sandless, its affiliates, and its officers as additional insured parties. The policies must also include a waiver of subrogation in favor of the additional insureds and provide thirty days' prior written notice to Mr. Sandless before any cancellation, termination, modification, or reduction in coverage. Franchisees are required to provide renewal certificates to Mr. Sandless each year to demonstrate continued compliance with these insurance requirements.