Your franchisor requires a current certificate of insurance (COI) for your business. You upload it to your own upload page in the Rikor RMS, and Rikor checks it against your brand's insurance requirements. It takes about two minutes.

Before you start, have:

• Your current certificate from your insurance agent, as a PDF. Ask for the original ACORD 25 PDF with every page, endorsements included. If you use more than one agency, get a certificate from each.
• Access to the email address your franchisor has on file for your business. You sign in with a code sent there.

Step 1. Open your upload page

Click the button in the email from Rikor (for example Upload My COI). It opens the upload page for your business. Every business has its own page, so use the link from your own email.

Already signed in to the RMS? Go to app.rikor.io, open Compliance and click Upload Certificate.

Step 2. Sign in with a code

Enter the email your franchisor has on file for this business and click Send code. There is no password.

Check your inbox for a six-digit code and type it in. If it doesn't arrive, check your spam folder or click Resend. If no code comes at all, that address isn't on file for the business. Try the email your franchisor uses for you, or email support@rikor.io.

Step 3. Check what your brand requires

Below the upload box, the page lists your brand's insurance requirements: each coverage, the minimum limits and the endorsements. Your certificate has to show all of them.

Pay close attention to the Certificate Holder box. Your agent must list the certificate holder exactly as shown. This is the most common reason a certificate comes back. Send your agent this page, or copy the holder and the description of operations into your request.

Step 4. Upload your certificate

Click Choose file, or drag your PDF onto the upload box.

Your file appears under the box. Click Upload 1 document (the number matches how many files you added).

Step 5. Rikor reviews it

The page shows Documents received, under review. Rikor reviews your certificate against your brand's requirements, usually within 24 hours. You can close the page; we'll email you when the review is done.

Step 6. Read your results

Open the same upload page again after the review. The top of the page shows a Coverage Review Summary: how many requirements look good, how many need attention, and your compliance score.

Under A few items need attention, each open item names the coverage and the requirement it is missing. In this example the workers compensation policy needs a waiver of subrogation, and the certificate doesn't show one, so the agent needs to add that endorsement.

The Only show non-compliant and expiring requirements switch is on by default, so you see just the open items. Turn it off to see every requirement.

If everything is met, the page says You're all set and your compliance status updates automatically. Reminder emails stop once your certificate meets your brand's requirements, until a policy gets close to its expiration date.

Step 7. Fix anything that needs attention

Most fixes come from your insurance agent. Click Send to my agent and enter their email address. Rikor emails them the open items and a link to upload a corrected certificate to your page. You can also upload the corrected certificate yourself (Step 4).

Don't have a certificate yet? Use Send to my agent under the upload box on your first visit. Your agent gets your brand's requirements and the upload link.

Have a question about your results? Click Yes, have … contact me on the results page to hear from your Rikor account manager, use Questions? Ask Rikor if you see it at the bottom of the page, or email support@rikor.io.

If something goes wrong

• "Only PDF files are accepted." The file is a Word document, an image or another format. Save the certificate as a PDF, or ask your agent for the PDF, and upload again.

• "Upload failed." Check your internet connection and try again. Very large scanned files can fail; the original PDF from your agent is smaller and reads better. If it keeps failing, email the PDF to support@rikor.io.
• "We couldn't use that document." The file is a quote, a policy or a notice rather than a certificate, or it shows no current coverage. Ask your agent for a current certificate of insurance (ACORD 25).
• "No access." You signed in with an email that isn't on file for this business. Click Sign in with a different email.
• Can't find the email from Rikor? Email support@rikor.io with your business name and we'll send your link.

Watch the walkthrough

A 35-second video of the same steps, recorded in Rikor's demo environment (the businesses shown are fictitious).

Play the video (MP4, 35 seconds).

Related: Why is Rikor requesting a certificate of insurance from me? · How to request a certificate of insurance · How to read a certificate of insurance