This page is for franchise owners who want insurance through Rikor, whether you're opening your first location or shopping your coverage. It walks through the whole path, from your brand's application to the policies that protect your business.

Rikor works only with franchise businesses. Your brand has told us what insurance it requires, so your consultant starts from those requirements instead of asking you to explain your business from scratch. There is no charge for our help. If you buy a policy, you pay for the insurance.

Step 1. Apply through your brand's link

Your brand has its own Rikor application. The link is usually in your franchise onboarding. If you can't find it, go to https://app.rikor.io/quote and search for your brand.

1. Click Get Started.
2. Enter your email address and type the six-digit code we email you. There is no password.
3. Answer the questions about your business. It takes about 3 minutes.

Have your business name and address ready, plus rough numbers for employees, vehicles, equipment and subcontractors. If you already have insurance, you can upload your current policies. If you stop partway, we email you a link to finish. Step-by-step screenshots: How to get an insurance quote for your franchise.

Don't see your brand? Book a call and we'll map your coverage with you.

Step 2. Talk with your consultant

At the end of the application you can book a call with your dedicated Rikor consultant. If you don't book it then, we email you a link. Your consultant already knows your brand, so the call is about you: when you open, where you operate, who works for you and anything you're worried about. After the call they may ask for a few missing details, such as a driver's license number or a vehicle's VIN.

Step 3. Review your quote

Most quotes are ready within 7 days of your call, once we have what the insurance companies need: about 92% land within 7 days and 99% within 14. Harder risks and some states take longer, and your consultant keeps you posted. Tell us early if your loan closing, lease or opening date is close.

Your consultant takes your business to the insurance companies that write your type of franchise and checks every quote against your brand's requirements before you see it. You get the options side by side, what each one covers and what it costs. Price matters, but the coverage form decides whether a claim gets paid. Two quotes a few percent apart can protect you very differently.

Step 4. Get covered

When you choose, your consultant binds the coverage and collects payment. Depending on the policy, you pay in full, pay in installments or use a financing plan. Some carriers make you set up automatic payments yourself: see How to pay your insurance bill and set up autopay.

Your certificate of insurance (COI) goes into the RMS, Rikor's Risk Management System, so your brand sees that your location meets its requirements. You don't upload anything yourself.

After you're covered

Your policies need attention through the year, not only at signing. Rikor handles it:

• Certificates for landlords, customers and lenders within 24 hours, usually about 2 hours. See How to request a certificate of insurance.
• Policy changes when you add a vehicle, a driver, a location or employees. See How to make a policy change.
• Renewals that start at least 90 days before your policy expires. See How your renewal works.
• Claims: report to your insurance company first, then tell us. See How to report a claim.

Most of what we send you comes by email, on behalf of your brand, with a button for the next step. Check your spam folder so you don't miss a renewal or a request.

Hiring drivers

If employees drive for your business, pull each driver's motor vehicle record before you send them to us. The insurance companies we work with generally accept:

• Drivers 18 or older. Drivers 18 to 21 need a clean record.
• Drivers 21 to 25 with no more than 1 minor violation in the last 3 years.
• Drivers 25 and older with no more than 3 minor violations in the last 3 years.
• No major violations in the last 3 years (DUI, reckless driving, speeding 20 or more over the limit) and no suspended license.

Some carriers are stricter. Ask your consultant before you hire if a record is borderline.

Get answers fast with AI

Two ways to get an answer without waiting on us:

• Search this help center. Type your question in the search bar at the top. You get a short answer drawn from our articles.
• Ask your own AI assistant. ChatGPT, Claude, Copilot and Gemini can all read this help center. Paste a prompt like this one:

Using only https://help.protectmyfranchise.com, tell me how to get insured through Rikor for my franchise and what I need to have ready. Link the pages you used.

AI answers are general. For anything about your own policy, certificate or claim, email support@rikor.io.

Questions? Email support@rikor.io or call or text 844-616-9663. See How to reach Rikor and what to expect.

Related: Why your brand asked for your insurance · Where Rikor is licensed and who we work with · How do I log in to the RMS?