Franchisee Insurance Quote: app.rikor.io/quote
COI Request + Policy Changes Email: support@rikor.io (Est. 24 hrs)
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ARE YOU A
MULTI-UNIT OWNER
WHO...
• Juggles different agents, limits, and renewal dates across locations—and isn’t sure who’s actually covered for lasers/IPL, injectables, IV/GLP-1s, microneedling, or red-light?
• Spends hours chasing managers for COIs (landlord Additional Insured / Waiver of Subrogation / Primary & Non-Contributory) and still gets lease pushback?
• Worries a claims-made policy without tail for a departed injector could blindside the brand later?
• Opens new sites fast, but insurance doesn’t scale (quotes slow, device schedules missed, equipment leases unprotected)?
• Needs one dashboard to see compliance status and auto-verify coverage brand-wide?
INSURANCE CENTRALIZED FOR YOU IN 3 EASY STEPS
1»
DISCOVERY
(MULTI-UNIT)
Map every location, service menu, device list (lasers/IPL, LLLT/red-light panels, RF/microneedling), providers (MD/NP/RN), and lease requirements.
2»
MULTI-LOCATION COVERAGE ANALYSIS
Identify modality gaps (e.g., laser operator qualifications, microneedle depth limits, PRP/threads, GLP-1 exclusions, massage boundary risks), unify claims-made vs. occurrence strategy, consolidate endorsements.
3!
UNIFIED PROTECTION & MONITORING
Launch one program with centralized renewals, auto-COI issuance/tracking, equipment/inland marine scheduling, and real-time compliance scoring for each site.
SIMPLE PROCESS » PROVEN OUTCOME
We offer a better way to protect multi-unit spa brands—a single, scalable program that removes guesswork at the modality level.
BEFORE
❌ Each spa uses a different broker & limits
❌Unknown if lasers/IPL or microneedling depth are actually covered
❌ Injectables on claims-made with no tail when staff churn
❌ GLP-1 or compounded meds excluded at some sites
❌ Device leases uninsured; panels not scheduled
❌ Landlords/lenders reject certificates
❌ Spreadsheets & manager emails
AFTER
One centralized program aligned to your service menu
Modality-specific endorsements + operator training on file
Tail/prior-acts handled at exits & acquisitions
Explicit inclusion/handling across every location
Inland marine/equipment floater for all high-value devices
AI / Waiver / PNC issued & tracked automatically
Live compliance dashboard by location
WHAT IF NOTHING CHANGES?
• A single uninsured laser burn or missed GLP-1 exclusion at one site puts all locations at risk
• A departed injector’s late claim hits after their policy ended—no tail in place
• Leased devices get damaged with no equipment floater—capex setback stalls a new opening
• Landlords keep rejecting COIs; managers burn time; growth slows
