FDD GAP ANALYSIS · FOR FRANCHISORS
Find the gaps hidden in your FDD.
You sold them a dream, and their savings are in it. If your FDD requires the wrong coverage, one uninsured claim can take an owner down, and pull the brand into the loss. We find those gaps before a claim does.
Every requirement looks airtight. We find the one that isn't.
TRUSTED BY GROWTH-FOCUSED FRANCHISORS
10/10
FDDs we review have critical insurance gaps that legal, finance, or broker teams missed.
WHAT FRANCHISEE FRUSTRATION ACTUALLY SOUNDS LIKE
When the FDD is off, this is the phone call you get.
"You said $300/month. I'm paying $1,100."
A painting franchisee opens on the FDD estimate. Real coverage to brand standard costs nearly 4x as much. They go uninsured to bridge the gap, then a subcontractor injury triggers a claim, and the franchisor is named.
"This policy doesn't cover what I do."
A mold-remediation operator buys general liability, but the FDD never mentioned pollution liability. A containment failure leads to illness, the policy doesn't apply, and the brand is pulled into the defense.
"I have insurance, but I'm still not covered."
A franchisee buys the general liability coverage the FDD requires. But the policy excludes a job type they do every week. An employee damages a customer's property on one of those jobs, the claim is denied, and the franchisee blames the brand for the gap.
"My insurance jumped fivefold."
A medspa sees $250/month in the FDD. Once they add injectables and devices, the real premium hits $1,500. They cut coverage to afford it, and a patient incident pulls the franchisor into litigation.
WHEN YOU WORK WITH RIKOR, YOU GET
We align what's written with what's real.
01
Costs that match reality
What the coverage your FDD requires actually costs today.
02
Gaps found before a claim
The exclusions and missing coverages that get claims denied, surfaced now.
03
Requirements that fit your brand
Coverage matched to what your franchisees actually do, not copied from another industry.
04
A brand you can defend
Disclosures that hold up when a franchisee has a loss.
QUESTIONS FRANCHISORS ASK
Before you book the call.
DON'T WAIT FOR A CLAIM TO FIND THE GAP
Protect your franchisees. Protect your brand.
One gap can cost a franchisee everything and name the brand in the claim. A 30-minute review shows you where you're exposed, while you can still fix it.