Usually. Franchise agreements specify minimum limits and often require the franchisor as additional insured.
General liability responds to customer injury, including in the drive-through lane and parking area.
Yes. Hired and non-owned auto covers staff using personal vehicles for deliveries.
High turnover produces frequent wage-and-hour and harassment claims, and defense costs alone are substantial.
Equipment breakdown covers repair and lost income. Fryer fires are also a leading property claim.
