They’re running gyms, tutoring centers, carpet cleaning crews, pest control routes—real businesses, real pressure. Most are first-timers, learning on the fly with everything on the line.
They wear every hat: boss, bookkeeper, HR, janitor. They’ve got the brand behind them—but the day-to-day risk? That’s all theirs.
Insurance? It’s just one more thing they’re expected to “handle.”
But one wrong step—one missing policy, one audit surprise—and it can all blow up fast.
That’s where RIKOR comes in.
Because we believe in this community. We believe in franchising as a path to ownership, in entrepreneurship as a cornerstone of freedom, and in small business as the backbone of America’s economy.
We’re not here to sell. We’re here to protect what people are building with their own two hands—families, futures, legacies. If you're betting on yourself, and you should, we think that deserves the right backup.
FRANCHISEES
ARE IN THE TRENCHES
THE RIKOR SHIELD™
The Rikor Shield™ was built for you—the franchisee who’s tired of feeling overlooked.
You’re building something that matters. But too often, insurance feels like an afterthought. Policies get set and forgotten. Risks change. No one checks in. And when a problem shows up, you’re the one stuck figuring it out—alone.
That’s where the Rikor Shield™ comes in.
It’s not just a policy. It’s a relationship. A hands-on, high-touch service that moves with your business—not behind it. While most brokers disappear after the sale, we stay close and responsive year-round.
Here’s what that looks like in action:
✔ 90-Day Policy & Exposure Reviews – We start early, before things slip through the cracks.
✔ Mid-Year Policy & Exposure Reviews – A second checkpoint to catch changes before renewal.
✔ 24/7 + 365-Day Policy Renewal Monitoring – Because your business doesn’t take nights, weekends, or holidays off.
✔ 1-Day Turnaround for Certs and Endorsements – Because when a job is on the line, waiting isn’t an option.
This level of service is usually reserved for companies spending millions in insurance premiums. But we believe small business owners—like you—deserve the same vigilance, clarity, and respect.
With the Rikor Shield™, you get the premium service you always hoped your local broker would provide. Real people. Real follow-through. And a real partner in your corner.
Because your business matters.
Because your time is valuable.
Because you're not small to us.
WHAT FRANCHISEES ARE SAYING...
"...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?
You’re not just running a business—you’re part of a brand. And in the insurance world, that means something.
Carriers take notice when a franchise brand shows strength, consistency, and participation. That’s why your brand affiliation is one of your most powerful assets—and we know how to use it.
At Rikor, our brokers lean on that strength every day. We use your brand’s credibility to influence carrier decisions, often steering them away from adverse outcomes that would otherwise fall directly on your shoulders.
What does that mean for you?
Stronger negotiation power. Better service. More favorable outcomes—because your brand opens doors.
We regularly secure:
✔ Favorable Policy Terms – Tailored protection, not boilerplate restrictions.
✔ Stronger Underwriting Experiences – Your affiliation gives carriers confidence in you.
✔ Priority Turnaround Times – Because your brand carries weight, you skip the back of the line.
✔ Low-Friction Approvals – Fewer hoops. Faster yeses.
✔ Exclusive Carrier Access – In some cases, carriers who typically say no to businesses like yours say yes—because you're part of a respected brand we represent.
You don’t have to go it alone.
Your brand gives you leverage.
We help you use it to its fullest potential.
“Going forward, I want to be your advocate for the brand. I'm going to tell everyone about you"
-Actual customer
FRANCHISE PLATFORMS
SOME BRAND PLATFORMS THAT CHOOSE RIKOR:
Protecting What You've Built: Our Commitment to Private Equity–Backed Franchise Platforms
When private equity invests in a franchise platform, it’s not just a bet on growth—it’s a commitment to operational excellence, long-term scalability, and asset preservation. At Rikor, we understand what’s at stake. That’s why we go beyond insurance placement. We embed rich, hands-on risk management strategies tailored to protect every layer of your investment—from individual units to the entire portfolio of brands.
We’re not here to sell policies. We’re here to protect your capital.
Our team specializes in supporting PE-backed platforms that span multiple brands and industries. Whether you're navigating acquisitions, onboarding new franchisees, or preparing for an exit, our consultants work in lockstep with your operations team to:
✔ Identify systemic risk across your brand portfolio
✔ Uncover hidden exposures that threaten margin and scalability
✔ Align insurance strategy with your financial objectives
✔ Improve audit outcomes and reduce post-policy financial friction
✔ Preserve franchisee confidence and compliance with brand standards
Insurance isn't just a requirement—it's a strategic lever.
When managed well, it unlocks efficiencies, protects EBITDA, and preserves your reputation across brands. When left unchecked, it invites costly surprises, litigation exposure, and breakdowns in franchisee trust.
We’ve built the Rikor Shield™ for platforms like yours—where complexity is the norm, and scale demands more than basic brokerage service. Our commitment is to be your partner in stability, ensuring that the infrastructure you’ve built isn’t just insurable, but resilient.
We protect your investment like it’s our own.
Let’s talk about how our platform-wide strategies can help you scale with clarity and confidence.
PROUD SPONSOR
ALL 50 STATES
What It Means to Be Truly National
Being licensed in all 50 states is table stakes. What sets Rikor apart is what comes after the license—the insight, agility, and on-the-ground awareness to guide our clients through volatile, high-stakes insurance environments across the country.
Our national footprint isn’t just about reach.
It’s about read—knowing the difference between a Florida audit trigger and a New York labor law nuance. It’s about anticipating California wildfire exposure or understanding how storm seasons impact coastal underwriting in the Carolinas and Gulf states. It’s about recognizing that Texas carriers might close appetite windows with 24 hours’ notice—and acting fast to protect your position.
This is the kind of awareness you don’t get from a local broker or a call center.
At Rikor, we give our clients real-time consulting based on actual market behavior—not stale generalizations. When conditions shift overnight (and they often do), we’re watching. When a regional market tightens, we’re the first to spot it. And when you need to pivot—fast—we’re already on the phone with underwriters, adjusting strategy before it affects your business.
Being truly national means more than coverage.
It means making the call. Reading the field. And never leaving our clients to navigate complex regional risks alone.
Because when the environment changes, experience is everything.
And at Rikor, we bring it coast to coast.
Carrier appointments aren’t just a technicality—they’re the heartbeat of a strong insurance agency. When we say we have access, what we really mean is you have access. To options. To opportunities. To decision-makers.
At Rikor, our consultants don’t just know which carriers write your kind of business—we know who to call, when to call, and how to position your brand in a way that gets results.
In some industries, options are limited. You might be down to one or two viable carriers. In others, we may need to route through wholesalers. But no matter the path, the outcome depends on one thing: relationship. That’s where we thrive.
The real work happens behind closed doors—in ongoing conversations, negotiated exceptions, and trusted partnerships built over time. These relationships are how we secure:
✔ Faster turnaround times
✔ Fewer underwriting delays
✔ Priority attention from decision-makers
✔ Policy exceptions when you need them most
✔ Stronger positioning in hard markets
We’re in constant collaboration with our carrier underwriters—not just when things go wrong, but every single day. That means we’re always advocating, always negotiating, always keeping your best interests at the forefront.
Because at the end of the day, this business runs on trust.
And we’ve spent years building the kind of carrier trust that pays dividends for our clients.
You won’t always see it.
But you’ll feel the difference it makes.
RIKORS' CARRIER NETWORK IS WELL CONNECTED
Behind Every Policy Is a Relationship That Makes It Possible
 US Assure |  Coalition |  UFG Insurance |
|---|---|---|
 Liberty Mutual |  Propeller |  Markel |
 Employers |  Travelers |  Pie Insurance |
 Great American |  Nationwide |  The Hartford |
 AmTrust |  CNA |  Coterie |
