Insurance Quotes: app.rikor.com/quote (Est. 3-14 days)
COI Request + Policy Changes Email: support@rikor.io (Est. 24 hrs)
FRANCHISE INSURANCE PROGRAM ACCESS—WITHOUT THE LOCK-IN
Most “insurance programs” mean you're stuck with one carrier and no choice. At Rikor, Program Access means something better: we use your franchise’s collective buying power to invite multiple top carriers to compete for your business. That means better pricing, better terms, and expert guidance—without the risks of single-carrier lock-in.
Schedule Your Free Franchise Insurance Consultation
We shop across the market so you don’t have to.
Why Franchisees Choose Rikor’s Program Access
Most brokers sell you one option. We give you many. Traditional insurance “programs” often mean one carrier and no flexibility. If that carrier raises rates or changes appetite, you’re stuck. Rikor’s Program Access is designed to invite multiple top carriers to compete for your business—giving you better pricing and ongoing leverage.
We’re Franchise Insurance Specialists—Not Generalists. Your franchise has unique exposures, brand requirements, and FDD obligations. We don’t just quote generic policies. We know the coverage you actually need to stay protected and compliant.
We Use Your Buying Power to Your Advantage. Most franchisees shop alone, with no scale or leverage. Rikor pools buying power across your brand and industry to negotiate better terms, faster underwriting, and broader market access.
We’re Your Long-Term Partner, Not Just Another Agent. We don’t disappear after placing a policy. Our team handles servicing, certificates, renewals, and questions at a level that matches or beats the largest brokers. And because we constantly monitor the market, you’re always getting competitive options—even as conditions change.
What Rikor’s Program Access Protects You From
Insurance for franchises is complex—and local brokers often sell “discounts” or single-carrier “programs” that leave you locked in. Rikor’s Program Access is different. It’s designed to give you real buying power, real options, and real peace of mind.
Exclusions and Coverage Gaps
Generic policies often leave out critical protections you assume are included. Rikor’s Program Access ensures your coverage actually matches your franchise’s needs—so you’re not left paying out of pocket when it matters most.
Incorrect Business Classifications
Misclassified policies can lead to surprise audits, unexpected premium hikes, or even denied claims. Our franchise insurance expertise ensures you’re correctly classified from the start.
Insufficient
Limits
Franchises have unique risk profiles. We make sure your coverage limits meet your brand requirements, lease agreements, and actual exposures—so you don’t get caught underinsured.
The Rikor Difference
Rikor’s Program Access isn’t just about getting insurance—it’s about getting it right. We use your franchise’s buying power to negotiate with multiple top carriers, avoid lock-in, and deliver better pricing, better coverage, and better outcomes.
Underrated Benefits of Rikor’s Program Access
We Make Insurance Easy So You Can Focus on Your Business
You’re busy running operations and growing your franchise. Rikor takes the complexity and hassle out of insurance. From shopping multiple carriers to managing policies, we handle it all so you can focus on what matters most.
We Know Your Brand and Risks
We’re not generalists. We understand how your franchise operates, what risks you face, and the insurance challenges that matter. You get coverage tailored to your real needs.
We Know Your Required Coverages in Your FDD
Franchise Disclosure Document (FDD) requirements aren’t optional. We know exactly what your brand demands so you stay in compliance without guesswork or last-minute scrambling.
Servicing That Rivals or Beats Top 10 Agencies
We don’t just place a policy and disappear. Our team is there to handle certificates, renewals, changes, and questions quickly and professionally, delivering the kind of service you’d expect from the biggest brokers.
We Know the Insurance Markets to Get You the Best Price
Insurance markets change constantly. Because we’re quoting your franchise brand all month long, we know which carriers are most competitive right now. That means better pricing, fewer surprises at renewal, and real long-term value.
Frequently Asked Questions
Customer Testimonials
Ready to Get Real Program Access for Your Franchise?
Stop wasting time shopping insurance alone. Stop settling for single-carrier “programs” that lock you in and leave you exposed. With Rikor’s Program Access, you get multiple top carriers competing for your business, expert franchise-specific guidance, and ongoing service that lets you focus on running your locations.
Act now to secure better coverage and pricing before your next renewal cycle.
Schedule Your Free Franchise Insurance Consultation Today
We make insurance easy. You focus on your business. We’ll handle the rest.
START SIMPLIFYING INSURANCE TODAY!
Fill out the form to learn more then schedule a call.
READY TO PROMOTE YOUR FRANCHISE BRAND TO CARRIERS?
SPACES ARE LIMITED TO ENSURE QUALITY PARTICIPATION. DON’T WAIT TO SECURE YOUR INVITATION.
Don’t let carriers overlook the safety, systems, and professionalism you’ve built into your brand. Join over 120 franchise brands using Rikor’s exclusive Marketplace to get the carrier relationships—and rates—your brand deserves.
Schedule a Strategy Call: Talk to Our Director of Compliance
