SUBCONTRACTOR COI MONITORING · FOR FRANCHISORS
Every sub verified. Not assumed.
Subcontractor COI monitoring is the process of collecting, verifying, and continuously tracking certificates of insurance from subcontractors to make sure their coverage meets the required standards. A certificate of insurance shows that coverage was represented as active when the certificate was issued, but it does not guarantee that the policy remains active or that the limits, endorsements, or additional-insured requirements meet the contract. Ongoing monitoring helps identify expired policies, inadequate limits, missing endorsements, and coverage changes before an uninsured subcontractor creates additional exposure. For franchisors, this provides greater visibility into subcontractor insurance compliance across the franchise system and reduces the risk of gaps going unnoticed.
A "looks fine" COI is not coverage. We verify the one that isn't.
WHY AN UNVERIFIED SUB BECOMES THE BRAND'S PROBLEM
1
One uninsured subcontractor can pull the franchisee, and the brand, into a claim nobody planned for.
WHAT AN UNVERIFIED SUB SOUNDS LIKE LATER
A sub's coverage gap becomes the brand's problem.
"The sub was uninsured. Now it's on the audit."
When a subcontractor cannot show valid coverage, their labor can get pulled into the audit payroll. The franchisee pays premium for someone else's risk, and points at the brand for not catching it.
"The policy had an exclusion for that job."
A subcontractor's certificate looked complete, but the policy excluded the exact work performed. The claim is denied, the cost falls back on the franchisee, and the brand gets named alongside them.
"The coverage lapsed mid-project."
A valid COI at signing does not stay valid. A policy is cancelled or expires partway through a job, nobody notices, and an incident hits during the window when no coverage was in force.
HOW THE MONITORING WORKS
Set the standard once. We watch it for you.
WHEN YOU WORK WITH RIKOR, YOU GET
Coverage you can see, not coverage you hope for.
01
Every sub verified, not assumed
Each subcontractor's coverage is checked against your brand standards, so a certificate is confirmed, not just collected.
02
Automatic tracking, no chasing
Requests, uploads, and renewals run on their own. Nobody on your team is emailing subs for paperwork.
03
Brand standards enforced
Coverage is measured against the limits and types your brand requires, with a clear compliant or non-compliant status for each sub.
04
Alerts before coverage lapses
When a policy expires or is cancelled, you know before it becomes an exposure, not after a claim exposes it.
05
Fewer surprises at audit
Organized, verified records in one place mean less audit payroll exposure and less scrambling for documentation.
QUESTIONS FRANCHISORS ASK
Before you book the call.
STOP PAYING FOR OTHER PEOPLE'S RISK
Protect your brand from subcontractor gaps.
An unverified subcontractor is a gap your brand can be named in. A short review shows where you are exposed and how monitoring closes it, before a claim or an audit does.