Who at Noodles & Company is responsible for deciding which insurance to procure for franchisees?
Noodles_Company Franchise · 2025 FDDAnswer from 2025 FDD Document
9.08 Insurance. You must maintain in force such insurance policies as we require from time to time as set forth in the Operations Manual and you shall provide insurance certificates to us within 10 days of execut
Source: Item 23 — RECEIPT (FDD pages 99–350)
What This Means (2025 FDD)
According to the 2025 Noodles & Company Franchise Disclosure Document, franchisees are required to maintain insurance policies as specified by Noodles & Company in its Operations Manual. While Noodles & Company dictates the types and amounts of coverage franchisees must carry, the franchisee is ultimately responsible for procuring and maintaining the required insurance.
Specifically, franchisees must furnish Noodles & Company with evidence of insurance coverage and premium payments before opening their restaurant and annually thereafter. If a franchisee fails to maintain the required insurance, Noodles & Company has the option to obtain the insurance on the franchisee's behalf, and the franchisee must then cooperate and pay for the costs and premiums incurred by Noodles & Company.
Noodles & Company also retains the right to work with the franchisee's insurance carrier to reach terms and provide a defense in the event of a claim, provided it does not jeopardize Noodles & Company's rights, defenses, brand, or other restaurants. However, the franchisee's obligation to maintain insurance coverage is not diminished by any separate insurance Noodles & Company may choose to maintain.