Brightway Insurance
Brightway Insurance franchises independent insurance agencies that primarily sell, service, and deliver property and casualty insurance policies, with the option to offer other insurance services like life insurance. Franchisees operate Brightway Locations using the franchisor's proprietary systems, technology, back-office support, and access to contracted insurance carriers, where the franchisor acts as the agent of record and pays franchisees a percentage of commissions received. The target market is the general public seeking insurance products in a competitive landscape including other independent, captive, and national agencies.
Franchise Costs
No traditional royalty or brand fund (franchisor retains 20% of new business commissions + 50% of renewal commissions). Monthly technology fees: $200/location + $209/active user + $75/inactive user + $90/Fusion user (cap $450/month).
Financial Performance
Item 19 Financial Performance
Data Based On: 270 Brightway Locations that commenced operations prior to December 31, 2023, and were open and operating for the entire 2024 calendar year, grouped by the number of Producers during the 2024 calendar year.
* Calculated weighted average gross revenue: (119 units × $93,737 + 41 units × $244,388 + 110 units × $906,320) / 270 total units = $447,665.97. Calculated weighted median gross revenue: (119 units × $45,908 + 41 units × $169,309 + 110 units × $655,298) / 270 total units = $312,916.67. Calculated weighted top 25% average revenue: (119 units × $266,014 + 41 units × $605,220 + 110 units × $2,082,043) / 270 total units = $1,057,386.73. Calculated weighted bottom 25% average revenue: (119 units × $10,967 + 41 units × $19,084 + 110 units × $196,604) / 270 total units = $87,829.47. Data derived from Table 1 'Gross Commission Revenue Generated by Brightway Locations by Producer Count (2024)' and producer counts from Footnote 2 for Table 1.
Extracted Item 19 Section
How Brightway Insurance Compares
Key Insights
- Lower investment than 88% of Business Services franchises
- Lower than average SBA loan default rate in Business Services
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
Brightway Insurance Current | $23K – $137K | $35K | N/A | 338 |
| Bimbo Foods Bakeries Distribution, LLC | $14K – $607K | N/A | N/A | 6,454 |
| THE UPS STORE (TRADITIONAL) | $216K – $609K | $30K | 5.0% | 4,500 |
| JACKSON HEWITT TAX SERVICE | $71K – $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K – $21K | $11K | 3.0% | 2,655 |
| SERVPRO (UNIT) | $259K – $380K | $100K | 10.0% | 2,286 |
Business Services Average 188 franchises | $118K – $284K | $46K | 10.4% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 188 Business Services franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2024)
Outlets by state across the United States
+24 more states
SBA Loan History
Historical SBA 7(a) loan data for Brightway Insurance franchisees (2015 – 2017)
Loans by Year
SBA 7(a) loan activity over time
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
Franchisee Contacts
356 franchisee contacts on file from official FDD filings.
| Name | SBA Loan |
|---|---|
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
356 Contacts Available
Unlock all Brightway Insurance franchisee contacts with verified contact information
Due Diligence
Litigation (Item 3)
Breach of contract, fraud, and deceptive trade practices claims by a franchisee regarding a franchise addendum for additional insurance products.
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Frequently Asked Questions
The total initial investment to open a Brightway Insurance franchise ranges from $23,325 to $136,900. This includes a franchise fee of $35,000.
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