Businesses in particular are known to be honeypots for lawsuits and therefore need policies written by franchise insurance experts. Rikors' mission is to help business owners take on the risk of entrepreneurship. This is accomplished when we successfully ink an insurance contract that is likely to be triggered. We refer to this mission as The Rikor Shield™, a way of saying that we're committed to:
✔ UNIQUE CARRIER PROGRAMS
✔ YEAR ROUND POLICY MONITORING
✔ COLLECTIVE PURCHASING POWER
✔ SUPERIOR CONSULTANT ACCESS
FRANCHISEE
"...recently started this organization about a year ago, had a lot of questions around insurance. What right coverages were, what the best way is, how I should even be classified as a business."
-Ross A. Miller
The Brothers that just do Gutters - South Jersey
CLIENT PORTFOLIO
WHAT OTHER BRANDS USE YOUR AGENCY?
Trust us when we say your brand is your greatest asset. Carriers are persuaded to be preferential to strong brands with strong participation. Our brokers regularly depend on it to save your insurance programs from adverse carrier decisions that would otherwise negatively affect you.
Favorable negotiations may include:
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Favorable Policy Terms
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Favorable Underwriting experience
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Priority turnaround time
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Low Friction Approvals
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Unlocking Carrier Access. In some cases, Carriers will say “Yes” to insure your business when they would normally turn away a business like yours.
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“Going forward, I want to be your advocate for the brand. I'm going to tell everyone about you"
-Actual customer
PLATFORMS
SOME BRAND PLATFORMS THAT CHOOSE RIKOR:
Rikor is an expert in Franchise Insurance. Trust Rikor.
Protecting your business protects everyone's business. Protecting your investment protects everyone's investment. Rikor Insurance Consultancy. Franchise Insurance done for you.
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PROUD SPONSOR
ALL 50 STATES
WHERE DO YOU SELL INSURANCE?
Franchises are national, so Rikor is licensed in every single state. We are also serving Canada.
On top of being licensed in every state, we are also keenly aware of markets and laws on a per state basis. This provides our clients with real-time information that can affect their quote or policy. Conditions in a regional insurance market can rapidly change almost overnight. Rikor is there to consult our clients in ways only a national brokerage can. When pivots are needed, we are there to act quickly. If we need to call an audible, we’ll make the call. This is what it means to truly be national.
* Informational purposes only. This is a list of potential coverage options, not a list of actual coverage. No amount of coverage is written or implied. Definitions are for educational purposes ONLY. These are not contracts nor are they implying actual coverage for any Rikor customer. Every insurance carrier is different, every policy is different, consult your agent regarding your actual bound policy coverage. No information within this site is legally binding or to be used before a judge or carrier.
POLICIES
WHAT POLICIES DO YOU WRITE?
Every business needs to evolve and grow. As your business grows, your risk grows with it. When you know, you’ll know. Our agency is here to make sure your insurance coverage is accurate and adequate. As you expand your operation, other products might become unavoidably necessary. Our expert consultants will guide you through step-by-step. If you’re still unsure what that means, here’s a somewhat exhaustive list of our products. There’s even more we could list, but this will give you an idea of what sort of policies we write:
GENERAL LIABILITY
Covers general claims to third party property damage or bodily injury
WORKER COMP
Medical and wage benefits to people who are injured or become ill as a result of work
AUTO
Covers damages to others as well as financial loss to you in the event of a vehicle accident.
UMBRELLA
Can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.
DIRECTORS + OFFICERS
Protects directors or officers if they are sued by the organization's employees, vendors, customers or other parties for decisions that they make in the name of the company
EPLI
Employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.
CYBER
Covers a variety of different claims involving your technology use, from extortion and network security to invoice manipulation and social engineering
CRIME
Losses from business related crime by an employee.
INLAND MARINE
Covers products or materials while in transit on land or used during a construction project
PROFESSIONAL LIABILITY
Provides coverage against claims of negligence during a professional service.
PROPERTY
Coverage for your building, improvements to your leased space, or personal property and inventory being stored at a location
ERRORS & OMISSIONS
Protection from claims of inadequate work or failure to meet client expectations.
INSURANCE MONITORING
HOW DOES RIKOR MONITOR INSURANCE?
Monitoring Franchisee Insurance
Franchisors receive franchisee insurance monitoring and the ability to implement FDD compliance through an app based Risk Management System™ and Risk Reports™.
Implement FDD Compliance
Of course we do that for you, super simple. Protect the Franchise, protect the brand. Our service is built on consulting and powerful in-house software built to implement FDD compliance accross your brand.
CARRIERS
INSURANCE CARRIERS WE WORK WITH:
Carrier appointments are the heart and soul of an insurance agency. When an agency has broad access, that means you have broad access. Our consultants know where to go, who to talk to, and when to show you the best option. Depending on the type of business you’re in, your options may be narrowed down to only 1 or 2 carriers. In some cases, you have no choice but to go to our wholesalers. Either way, the reality is that our real business is done behind closed doors. It’s a relationship based on trust and results. Our relationships with our carriers are deep and provide tangible benefits for our clients. This translates into quick turnaround times, superior customer service, and exceptions, and much more. Our commitment to you is that we are in constant collaboration with our carrier underwriters to keep your best interests in mind.
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