Yes, in most cases. Franchisee insurance protects the franchisee’s business, not automatically the franchisor’s corporate entity. Even when a franchisee has strong coverage, the franchisor can still be named in lawsuits involving premises incidents, employment allegations, or operational standards. Many franchisors also require franchisees to list the franchisor as an additional insured on certain policies, but that is a backstop, not a full replacement for a franchisor’s own insurance program.