Insurance certificates for brand-corporate entities
The franchisee, the brand corporate, the landlord, and the property manager — all named as additional insured.
Every Ontario Hood Cleaning crew carries $5,000,000 commercial general liability coverage with a $2,000,000 occurrence limit. Franchise programs typically require four named additional insured entities on the certificate of insurance: the franchisee corporate entity that owns the store, the brand corporate entity (the franchisor), the landlord of the property, and the property management company that operates the building. All four are named at no additional cost, and the certificate is re-issued annually or on request.
Some brand-corporate facilities programs publish a master insurance requirement that goes beyond the local landlord's certificate request. We have run programs that required waiver of subrogation, primary-and-non-contributory wording, and notice-of-cancellation extensions to the brand corporate entity. We accommodate these requirements at no charge — our broker re-issues the certificate with the requested endorsements and our team uploads it into whatever portal the brand uses (Avetta, ISN, ComplyWorks, Cority, RAMP).
Coverage is verified on every visit before the crew starts work, and the certificate is filed in the program documentation against the store record. If brand corporate ever audits the insurance chain, the current certificate is one click away.