Who must be named as an additional insured on all required insurance policies for a Petro Stopping Center franchise?
Petro_Stopping_Center Franchise · 2025 FDDAnswer from 2025 FDD Document
al of any underlying insurance policy or upon request by Petro Franchise. Within 30 days after the execution of the Franchise Agreement (or any renewal agreement), and at any time upon request by Petro Franchise, you must deliver to Petro Franchise a copy of each required insurance policy. Petro Franchise and any of our Affiliates that we designate must be named as an additional insured on all required policies.
Source: Item 8 — RESTRICTIONS ON SOURCES OF PRODUCTS AND SERVICES (FDD pages 37–42)
What This Means (2025 FDD)
According to Petro Stopping Center's 2025 Franchise Disclosure Document, Petro Franchise and any of its Affiliates that Petro Franchise designates must be named as an additional insured on all required insurance policies.
Specifically, the policy for comprehensive general liability and product liability insurance must list Petro Stopping Center and its Affiliates, directors, officers, agents, and employees as additional insureds. The commercial automobile liability insurance policy must also list Petro Stopping Center and its Affiliates, directors, officers, agents, and employees as additional insureds. Similarly, the employer's liability insurance policy must include Petro Stopping Center and its Affiliates, directors, officers, agents, and employees as additional insureds.
This requirement ensures that Petro Stopping Center and its related parties are protected from potential liabilities arising from the franchisee's operations. It is a common practice in franchising to include the franchisor as an additional insured to mitigate risks and ensure consistent brand protection across all franchise locations. The franchisee is responsible for obtaining and maintaining these insurance policies at their own expense.