Under what condition will Stretch Zone obtain insurance coverage on my behalf?
Stretch_Zone Franchise · 2025 FDDAnswer from 2025 FDD Document
As discussed in ITEM 8, we require that you carry certain insurance specified in the Operations Manual.
The method and timing of payments is between you and your insurer.
We require you to use R.V.
Johnson Insurance as your Insurance Agent.
Because the selection of the carrier, size of the Premises, location of the Premises, value of the leasehold improvements, amount of inventory, amount of wages and other related conditions vary considerably, it is difficult to estimate the ultimate cost for any given franchisee.
We base this estimate on the rates in effect in Florida.
The cost of workers' compensation insurance varies from state to state.
Source: Item 6 — ITEM -6 OTHER FEES (FDD pages 16–33)
What This Means (2025 FDD)
According to Stretch Zone's 2025 Franchise Disclosure Document, Stretch Zone does not obtain insurance coverage on behalf of its franchisees. Instead, franchisees are required to secure their own insurance, meeting the specifications outlined in the Operations Manual.
The FDD specifies that franchisees must purchase insurance through R.V. Johnson Insurance as their designated Insurance Agent. The franchisee is responsible for the method and timing of payments directly with their insurer. The specific types and minimum amounts of insurance coverage required are detailed in the Operations Manual.
The cost of insurance will vary considerably based on factors such as the insurance carrier selected, the size and location of the premises, the value of leasehold improvements, the amount of inventory, wages, and other related conditions. The FDD estimates insurance costs based on rates in effect in Florida; however, it notes that workers' compensation insurance costs differ from state to state. Prospective franchisees should contact R.V. Johnson Insurance to obtain accurate quotes based on their specific circumstances and location.