HOODZ

The 2025 FDD requires general liability at $1,000,000 per occurrence / $2,000,000 aggregate (including $2,000,000 products and completed operations), commercial auto at $1,000,000, workers' compensation at statutory limits with $500,000 employers' liability, a $2,000,000 umbrella, and employee dishonesty insurance at $50,000. Three entities must be named as additional insured: HOODZ International, LLC; BELFOR USA Group Inc.; and BELFOR Franchise Group, LLC — all on a primary and non-contributory basis.

Three entities are required by the 2025 FDD: HOODZ International, LLC (primary franchisor); BELFOR USA Group Inc.; and BELFOR Franchise Group, LLC. Each must be named by exact legal name on every certificate. A certificate that names only "HOODZ" or omits either BELFOR entity is non-compliant. Confirm all three with your agent before the first certificate is issued.

The products and completed operations aggregate in your GL policy covers bodily injury and property damage that occur after work is done — so a fire causing direct property damage may be covered under that aggregate. But if the claim is framed as professional negligence — that the cleaning fell short of NFPA 96 standards — that framing can move outside the general liability insuring agreement. Contractors E&O covers the professional negligence component. Both coverages belong in a complete HOODZ program.

The FDD minimum is $1,000,000 per occurrence GL, $2,000,000 aggregate, $2,000,000 products and completed operations, $1,000,000 auto, a $2,000,000 umbrella, and $50,000 employee dishonesty. Those are the FDD floors. Commercial accounts — restaurant chains, hotels, institutional clients — often require $2,000,000 per occurrence and $5,000,000 umbrella certificates. Build toward the commercial market standard, not just the FDD minimum.

Yes. Workers' compensation is required by the FDD and by law in virtually every state. It covers your employees for work-related injuries. HOODZ technicians handle chemical degreasers, work at heights on rooftop exhaust fans, and are exposed to accumulated grease and biohazards. The injury exposure is real. The FDD requires employers' liability at $500,000. Rikor recommends $1,000,000 for commercial cleaning operations.

The baseline NCCI code for janitorial and cleaning contractors is **9014** (Janitorial Services — by Contractor). Some carriers may review whether portions of HOODZ operations — rooftop fan work, height access, hot work — require a supplemental classification. Confirm the correct code with your carrier at policy inception.

Standard general liability contains a pollution exclusion that can apply to commercial degreasers, grease waste, and cleaning chemicals. If a degreaser causes bodily injury or property damage, the insurer may invoke that exclusion before evaluating the claim on its merits. Contractors pollution liability (CPL) covers these exposures specifically and should be part of every HOODZ franchise program.

General liability does not cover employment disputes. Employment practices liability insurance (EPLI) covers wrongful termination, discrimination, and harassment claims. The FDD does not require EPLI. Rikor recommends EPLI at a $250,000 baseline for a HOODZ franchise with employees.

The subcontractor exclusion in your general liability policy can remove coverage for damage caused by an uninsured 1099 worker. Collect a current certificate of insurance from every 1099 technician before every job. A certificate valid at hire that has since lapsed produces the same coverage result as no certificate at all.

Commercial accounts increase your exposure base — both the revenue that drives your GL audit and the potential loss per job. Restaurant chains, hotels, and institutional clients also require higher certificate limits. If your policy is written at the FDD minimum and a commercial account requires $2,000,000 per occurrence, your certificate cannot satisfy the request until the policy is endorsed up. Build your limits to serve the accounts you are winning — not just the accounts you already have.

The HOODZ FDD requires $50,000 in employee dishonesty coverage and specifies it must cover third-party theft — the right structure for a brand whose technicians work inside commercial facilities. A standalone third-party crime policy at $250,000 on a Loss Discovered form provides stronger limits and broader protection. The FDD floor of $50,000 is low relative to the value of assets in commercial kitchens. The Rikor benchmark is $250,000.