Franchisee Insurance Quote: app.rikor.io/quote
COI Request + Policy Changes Email: support@rikor.io (Est. 24 hrs)
PROTECT YOUR FRANCHISE WITH SMART SUBCONTRACTOR INSURANCE MONITORING
Franchisees aren’t insurance experts—but with this tool, you don’t have to be.
Automatically verify coverage, enforce policy limits, and reduce liability across every subcontractor relationship.
TRUSTED BY FRANCHISEES WHO VALUE RISK REDUCTION
JOHN M
Multi-Unit Franchisee, Home Services Industry
“Before this tool, we were just collecting COIs and hoping for the best. Now we actually know our subcontractors are properly insured—and we sleep better because of it.”
SAMANTHA K
“It used to take hours every week just to chase down insurance documents. Now we get alerts when something’s off, and it’s handled before it becomes a problem.”
First-Time Franchise Owner
DAVID L
“We thought we were covered because we had COIs on file. Turns out, half of them didn’t meet our brand’s coverage requirements. This tool fixed that overnight.”
Area Developer, 25+ Locations
TRUSTED BY BRANDS LIKE:
STAY PROTECTED WITHOUT BECOMING AN INSURANCE EXPERT
You didn’t invest in a franchise to become an insurance auditor. With our subcontractor monitoring tool, you get peace of mind—without the manual work or tedious emails.
HERE’S WHAT YOU GET
✔ Automatic Coverage Verification
You get real-time alerts when a subcontractor’s policy is inactive, missing coverage, or doesn’t meet your franchise’s standards.
✔ Confidence in Every Subcontractor
You get clarity on who’s properly covered—so you’re not unknowingly exposed to lawsuits or claims.
✔ Protection from Risk and Liability
You get ahead of costly issues by catching problems before they affect your business or brand reputation.
✔ Time Back to Focus on Growth
You get out of the weeds. No more chasing documents or guessing what’s compliant. The tool handles it for you.
✔ A Stronger, More Professional Standard
You set a precedent with your subcontractors: insurance compliance is non-negotiable. You hold them accountable—clearly, consistently, and professionally.
INTRODUCING THE SUBCONTRACTOR INSURANCE MONITORING TOOL BUILT FOR FRANCHISEES
No guesswork. No risk exposure. No more chasing paperwork.
You get more than just a COI collector. This tool continuously monitors subcontractor insurance to make sure:
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Every policy is active and up to date
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Every contractor carries the right coverage
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Every limit meets your brand’s requirements
WHY THIS ISN’T JUST ANOTHER COI COLLECTION TOOL
Most tools stop at collecting a Certificate of Insurance. That’s not enough.
Your tool goes further—because real protection requires real verification.
NOT JUST “ACTIVE”—ACTUALLY COMPLIANT
Other platforms only check if a COI exists and isn’t expired. You go deeper—automatically verifying coverage types, policy limits, and compliance with your franchise’s exact standards.
DESIGNED FOR FRANCHISEES, NOT INSURANCE EXPERTS
Your tool was built for operators like you—whether you're new to business ownership or managing 30+ locations. No jargon. No guesswork. Just clear, actionable insight.
CREATES ACCOUNTABILITY WITH SUBCONTRACTORS
You don’t just collect insurance. You set expectations. Subcontractors are invited into the process and held to the standards your brand requires.
BUILT INTO THE RIKOR RISK MANAGEMENT SYSTEM
While other solutions operate in isolation, this tool integrates directly into the RMS platform you already use—streamlining your operations, not adding another system to juggle.
FREQUENTLY ASKED QUESTIONS
WHAT IF MY SUBCONTRACTORS DON’T WANT TO UPLOAD THEIR COIS?
Most do—especially when it’s positioned as a requirement for doing business with your franchise. The process is simple, and once they see how fast it is, it becomes routine.
HOW LONG DOES THE VERIFICATION PROCESS TAKE?
After a COI is uploaded, you’ll typically receive compliance feedback within 24 hours—automatically and without manual follow-up.
DO I NEED TO BE AN INSURANCE EXPERT TO USE THIS?
No. The tool is built so you don’t have to interpret insurance details. You define your requirements once, and the system handles verification from there.
WHAT HAPPENS IF A SUBCONTRACTOR’S COVERAGE ISN’T COMPLIANT?
You get notified immediately so you can address the issue before any work begins—protecting you from potential liability or brand exposure.
CAN I CUSTOMIZE THE INSURANCE REQUIREMENTS TO MATCH MY BRAND?
Yes. You set the coverage types, limits, and standards. The system enforces them automatically.
YOU’RE NOT JUST AT RISK—YOU’RE FINANCIALLY LIABLE
If your subcontractors don’t have the right insurance, that liability doesn’t disappear.
IT SHOWS UP ON YOUR AUDIT.
At the end of your policy year, your insurance carrier will ask you for proof of coverage for every subcontractor you used. If even one of them didn’t have active, qualifying insurance?
YOU PAY THE DIFFERENCE.
That means:
• You could be charged thousands in premium adjustments
• You’ll be held responsible for coverage you thought your subcontractors had
• Your margins get crushed—after the work is already done
And there’s no fixing it after the fact. If you didn’t collect it, and it wasn’t verified, you’re the one on the hook.