According to the 2025 Stretch Zone Franchise Disclosure Document, franchisees must maintain specific insurance coverage, including Comprehensive Commercial Liability insurance. The minimum required coverage for Comprehensive Commercial Liability is $1,000,000 for each occurrence. Additionally, the FDD specifies minimum coverage amounts for other types of insurance, such as $1,000,000 for Damage to Rented Premises (each occurrence), $2,000 for Medical Payments (any one person), $1,000,000 for Personal and Advertising Injury, $5,000,000 for General Aggregate, and $5,000,000 for Products – Completed Operations Aggregate.

Stretch Zone requires franchisees to secure this insurance through R.V. Johnson Insurance as their Insurance Agent. However, the FDD notes that the ultimate cost of insurance can vary significantly based on factors such as the insurance carrier, the size and location of the premises, the value of leasehold improvements, the amount of inventory, and the amount of wages paid. The estimate provided is based on rates in effect in Florida, and the cost of workers' compensation insurance can vary from state to state.

Prospective Stretch Zone franchisees should consider these insurance requirements as part of their overall investment and operating costs. It is important to obtain detailed quotes from R.V. Johnson Insurance to understand the specific costs applicable to their location and circumstances. Understanding these insurance requirements is crucial for protecting the franchisee's business and assets from potential liabilities.