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Do Franchisor Cyber programs cover Franchisees?

There is a common misconception and a lot of confusion on the part of both Franchisor and Franchisee when it comes to who needs to have the insurance and how it will respond.  The reality of it is that Franchisees are separate businesses that buy their own insurance in general, including property, GL, workers’ compensation and other things one would expect a small company to have.  In many cases, the Franchisor actually sets the insurance requirements for the Franchisee in the “franchisor agreement”, the contract between the two parties that outlines what the franchisor is going to do on behalf of the franchisee (marketing, training, site sourcing, etc.) and what they are NOT going to do (hire employees, buy insurance coverage).  
This seems fairly straightforward (though it isn’t) when it comes to several types of potential first party loss and third party liability because it is at least relatively easy to determine what physical property was damaged or where a person slipped and fe…

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