ON THIS PAGE
FDD COMPLIANCE REQUIREMENTS
FIRE FROM WIRING — IS IT COVERED?
PRE-EXISTING PANEL DISPUTES
WORKERS' COMP & AUDIT
COMMERCIAL ELECTRICAL WORK
PREMIUM CALCULATION
BEYOND THE MINIMUM
FAQs
SIX-POINT CHECKLIST
ALSO IN
ALSO IN ELECTRICAL
MR. ELECTRIC INSURANCE
ELECTRICAL SUBCONTRACTOR COMPLIANCE
HOME SERVICES HUB PAGE
FRANCHISEE QUESTIONS
FREQUENTLY ASKED QUESTIONS
F
SUBCONTRACTOR RISK
A LAPSED SUB CERTIFICATE IS INVISIBLE
UNTIL YOUR CARRIER FINDS IT
Most home service franchisees use independent contractors or 1099 workers at some point. The coverage gap this creates is not obvious until a claim surfaces. When a certificate lapses, your carrier invokes the subcontractor exclusion in your general liability policy. The work was done. The damage is real. The coverage is not there.
Rikor's subcontractor compliance monitoring tool tracks subcontractor certificates in real time. When a certificate lapses, you know before the next job starts — not after the claim comes in.
WADE MILLWARD, CIC
Founder & CEO · Rikor Insurance
Wade Millward has spent 18 years specializing in franchise insurance. He holds the Certified Insurance Counselor (CIC) designation and has reviewed hundreds of franchise disclosure documents across home service, food service, and commercial franchise verticals. He has built coverage programs for Authority Brands franchisees across electrical, HVAC, plumbing, and restoration trades.