Schedule every entity and location
The operator, property owner, management company and each center may not share identical ownership. Review named insureds, additional interests, addresses and effective dates.
Shared versus separate limits
A policy may apply one aggregate across all locations or separate aggregates by location or project. One severe claim can affect the limits remaining for every center.
Consistent controls
Carriers may expect common screening, training, incident response, transportation and maintenance procedures. Document how the organization verifies compliance at each location.
Franchise agreements
Review insurance specifications, required limits, additional insured status, brand standards and contractual indemnity. A franchisor’s requirements do not necessarily describe all operational risks.