Franchisee Insurance Quote: app.rikor.io/quote
COI Request + Policy Changes Email: support@rikor.io (Est. 24 hrs)
FIND THE GAPS: RISK HIDDEN
IN YOUR FDD
FDD RISK ANALYSIS FOR FRANCHISORS WHO CAN'T AFFORD SURPRISES
Your Franchise Disclosure Document isn’t just legal paperwork—it’s a financial blueprint for your operators. If it underestimates risk or recurring costs, your franchisees feel it first… and your brand pays the price.
At Rikor, we help franchisors spot the red flags before they turn into claims. Through expert FDD Risk Analysis, we identify gaps in insurance projections, cost breakdowns, and operational disclosures—so your franchisees can budget accurately, operate safely, and stay compliant.
Don’t let your FDD become your biggest liability.
TRUSTED BY GROWTH-FOCUSED FRANCHISORS
We've reviewed hundreds of FDDs for accuracy, clarity, and risk. In 10 out of 10 documents we assess, we find critical insurance or cost-related updates that were missed.
WHAT FRANCHISORS ARE SAYING:
"We thought our FDD was airtight—until Rikor flagged multiple insurance blind spots that could have cost us millions."
"Rikor’s insight into our insurance and equipment disclosures helped us avoid a costly compliance gap. Their review was a game changer."
"We were underreporting monthly costs in our FDD without realizing the downstream risk. Rikor helped us fix it before it became a legal issue."
We’ve worked with leading brands across industries including:
WHY FDD RISK ANALYSIS MATTERS
Your franchisees are building their business based on your FDD. If it is off, they’re not just underprepared — they’re exposed. The insurance requirements can be off for any of the following reasons:
• Requirements that aren't available in the insurance market
• Requirements that are vague or unclear
• Requirements that are copied and pasted from an unrelated industry
• Requirements that are non-relevant
WHEN YOU WORK WITH RIKOR, YOU GET:
ACCURATE COVERAGE COSTING
We compare your current insurance disclosures with real-world rates to ensure franchisees aren’t blindsided by monthly premiums.
OPERATIONAL
CLARITY
We identify overlooked tools, subscriptions, and region-specific costs that need to be reflected in your FDD for honest planning.
FRANCHISEE CONFIDENCE & BRAND PROTECTION
When operators budget correctly, they comply more consistently, take fewer shortcuts, and stay profitable longer.
REDUCED LEGAL EXPOSURE
Uninsured claims often trace back to underreported costs or unclear expectations. We help you close that loop—before regulators or lawyers do.
INDUSTRY-RELEVANT
RISK ADJUSTMENTS
We understand sector-specific coverage—from medmal to subcontractor compliance—and tailor recommendations accordingly.
WHEN FRANCHISEES FEEL MISLED, YOU FEEL THE FALLOUT
Your franchisees rely on your FDD as a financial roadmap. When the costs are understated—or worse, when critical coverages aren’t disclosed at all—it creates more than frustration. It creates distrust, noncompliance, and operational risk that ultimately falls on your shoulders.
WHAT FRANCHISEE FRUSTRATION ACTUALLY LOOKS LIKE:
"YOU SAID $300/MONTH FOR INSURANCE. I’M PAYING $1,100."
"THIS POLICY DOESN’T COVER WHAT I DO."
"I HAVE INSURANCE—BUT I’M STILL NOT COVERED."
"MY INSURANCE JUMPED FIVEFOLD."
A painting franchisee opens based on the FDD estimate. But actual coverage that meets brand standards costs nearly four times as much. They go without coverage temporarily. A subcontractor injury triggers a claim—and the franchisor is named.
A mold remediation operator buys general liability insurance. But the FDD didn’t mention pollution liability. When a containment failure leads to illness, their policy doesn't apply—and the brand is pulled into legal defense.
A painting franchisee buys workers' comp, as required. But the policy excludes condos and duplexes. When an employee is injured on a condo job, the claim is denied. The franchisee blames the brand for the oversight.
A medspa operator sees $250/month listed in the FDD. Once they add injectables and devices, their real premium hits $1,500. They reduce coverage. A patient incident pulls the franchisor into litigation.
THE RISK ISN’T JUST LEGAL—IT’S OPERATIONAL
Outdated insurance estimates disrupt onboarding, delay openings, and force underprepared franchisees to improvise. Support becomes damage control. Brand trust erodes.
WHY RIKOR
Rikor is an insurance agency that specializes exclusively in franchising. Our work sits at the intersection of risk, compliance, and operations — where insurance disclosures meet real-world outcomes.
We don’t just place coverage. We help franchisors understand how insurance expectations, cost pressures, and policy structures impact unit-level performance—and
brand-level liability.
WHAT SETS RIKOR APART
✔ Franchising is our core.
Every client we work with is a franchisor. We understand FDDs, operational standards, and how disclosures impact operator behavior.
✔ We believe the FDD is a two-way safeguard.
It's not just about compliance. If one franchisee is underinsured due to a disclosure gap, the entire brand is exposed.
✔ We align what's written with what's real.
From coverage types to market pricing, we make sure the FDD reflects what's actually available to franchisees.
✔ We uncover what legal reviews miss.
Subcontractor gaps. Pollution exclusions. Workers’ comp carve-outs. We catch the details that cause real-world failures.
✔ Every FDD we review needs updates.
In 100% of our assessments, we've found material issues that had been missed by legal, finance, or broker teams.
WHAT EXACTLY IS AN FDD RISK ANALYSIS?
We evaluate your FDD for cost realism, insurance accuracy, and coverage clarity. Our focus is operational risk—not just compliance.
DO I STILL NEED MY ATTORNEY?
Yes. We complement legal teams by focusing on what operators will face post-signing, not just what passes review.
HOW IS THIS DIFFERENT FROM MY BROKER'S INPUT?
Most brokers focus on individual placements. Rikor evaluates system-level readiness and disclosure alignment.
WHAT DO YOU USUALLY FIND?
Gaps in coverage descriptions, outdated cost figures, policy conflicts, and operational exposures not flagged elsewhere.
WHATA IS THE TURNAROUND TIME?
We can begin immediately and typically deliver a full analysis and recommendation set within 2 weeks.
IS THE PROCESS CONFIDENTIAL?
Yes. We operate under strict confidentiality and are happy to sign an NDA upon request.
START SIMPLIFYING INSURANCE TODAY!
Fill out the form to learn more then schedule a call.
DON’T WAIT FOR A CLAIM TO FIND THE GAP
THE COST OF AN INACCURATE FDD ISN’T HYPOTHETICAL. IT’S REAL. IT SHOWS UP IN CLAIMS, FAILED UNITS, AND OPERATIONAL HEADACHES YOU DIDN’T SEE COMING.
Start with a focused review of your insurance disclosures and cost assumptions. We’ll help you find the gaps—before your franchisees do.
Protect your franchisees. Protect your brand. Start with the truth.
