This guide shows franchisors how to find which locations have a problem with their insurance, and exactly what the problem is. Everything you need is in the Franchisees list and each location's Compliance page.

Step 1. Open Franchisees

Sign in at app.rikor.io and click Franchisees in the left menu. The cards at the top count your locations by status: Compliant, Non-Compliant and Pending. Each row shows the location's Policy Status, Compliance Status, compliance percentage and next expiration.

Step 2. Filter to the locations that need attention

Click Policy Status and choose Lapsed. The number next to each option tells you how many locations match. You can also filter by Expiring or Not Verified, or use the Compliance filter to show Non-Compliant or Pending locations.

The list now shows only the lapsed locations. Click Clear filters to see everyone again.

Step 3. Open the location and choose Compliance

Click the location's name. It opens on Account. Choose Compliance in the left menu.

Step 4. Read the Compliance Ledger

The ledger has one row for each coverage your brand requires. Each row shows its policy status, whether it meets your requirements, its dates, and a Key Issues column that says what is wrong in plain words. The badge at the top right shows how many coverages pass, for example 3/4 Compliant.

In this example the general liability policy expired on 09/30/2026. Its Key Issue reads Must expire after today's date, which means the policy on file is no longer in force.

Step 5. Open View details for the full picture

Click View details on a row. You see each requirement for that coverage next to what the certificate on file shows (Requirement and Current), with every issue listed at the top. Use the Upcoming tab to see a renewal that's already on file, and History for earlier certificates.

What the statuses mean

Policy status

• Active: the required policies on file are in force.
• Expiring: a required policy expires soon. The ledger shows this as Expiring Soon.
• Lapsed: a required policy is past its expiration date. The ledger shows this as Expired.
• Not Verified: there are no policy dates on file yet, usually because no certificate has been uploaded.

Compliance status

• Compliant: every requirement is met.
• Non-Compliant: a coverage is missing, expired or below your requirements. Key Issues says which.
• Pending Review: a certificate is in, and Rikor is reviewing it.
• Exempt: you've exempted this location from a coverage.

What happens next

You don't need to chase the franchisee. Rikor emails them automatically when a policy is lapsed, expiring, unverified or not compliant, with a link to their upload page. If you already have their certificate, click Upload Certificate on the ledger and upload it for them (see How to upload a COI on behalf of a franchisee). Questions about a location go to support@rikor.io.

Watch the walkthrough

A 30-second video of the same steps, recorded in Rikor's demo environment (the brand and locations shown are fictitious).

Play the video (MP4, 30 seconds).

How this protects your brand

Monitoring shows you where a franchisee's insurance falls short. The way to close those gaps for good is to have franchisees insured right from the start. Franchisees insured through Rikor get coverage built to your brand's requirements by a dedicated Rikor consultant, and with monitoring on they're 93.3% compliant, against 48% for franchisees insured elsewhere. Make sure your brand's Rikor link is in your franchisee onboarding: Add Rikor to your franchisee onboarding.