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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.
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Franchise Costs
0% royalty + 0% ad fund + $374-$1174/mo technology and other fees
Financial Performance
Item 19 Financial Performance
Data Based On: 272 Brightway Locations with at least one full calendar year of operations, grouped by the number of Producers during the 2025 calendar year
* Calculated weighted average gross revenue from Table 1-A 'Average Revenue' and Footnote 2 for 272 Brightway Locations: ((119 * $98,913) + (48 * $224,283) + (43 * $620,172) + (27 * $782,157) + (35 * $1,739,710)) / 272 = $482,396.01 Calculated weighted average Top 25% Revenue from Table 1-A 'Top 25% Average Revenue' and Footnote 2: ((119 * $244,171) + (48 * $528,018) + (43 * $1,302,992) + (27 * $1,456,105) + (35 * $3,282,953)) / 272 = $972,970.81 Calculated weighted average Bottom 25% Revenue from Table 1-A 'Bottom 25% Average Revenue' and Footnote 2: ((119 * $15,350) + (48 * $42,992) + (43 * $139,177) + (27 * $321,438) + (35 * $624,281)) / 272 = $148,542.42 Calculated weighted median gross revenue from Table 1-A 'Median Revenue' and Footnote 2: ((119 * $63,601) + (48 * $138,134) + (43 * $512,497) + (27 * $650,930) + (35 * $1,544,605)) / 272 = $396,590.47
Extracted Item 19 Section
Avg. Revenue: $482,396
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Unlock financial performance dataHow Brightway Insurance Compares
Key Insights
- Lower investment than 80% of Business Services franchises
- Lower than average SBA loan default rate in Business Services
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
Brightway Insurance Current | $43K – $187K | $25K | 0.0% | 351 |
| Bimbo Foods Bakeries Distribution, LLC | $14K – $607K | N/A | N/A | 6,454 |
| THE UPS STORE (TRADITIONAL) | $114K – $292K | $40K | 5.0% | 5,487 |
| AMERICAN POOLPLAYER'S ASSOCIATION INC | $15K – $23K | $10K | 20.0% | 3,562 |
| CRUISE PLANNERS | $2K – $21K | $11K | 1.5% | 3,124 |
| RE/MAX | $37K – $337K | $35K | 1.0% | 2,994 |
Business Services Average 210 franchises | $128K – $277K | $47K | 10.2% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 210 Business Services franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2025)
Outlets by state across the United States
+24 more states
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Unlock location growth dataSBA 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.
11 SBA loans on record
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Unlock SBA loan historyFranchisee Contacts
368 franchisee contacts on file from official FDD filings.
368 Contacts Available
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Unlock contactsDue Diligence
Litigation (Item 3)
Primarily disputes involving alleged violations of non-compete and non-solicitation clauses, breach of contract, and trade secret violations, with one case involving allegations of fraudulent inducement and deceptive trade practices.
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
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Unlock due diligence reportsFrequently Asked Questions
The total initial investment to open a Brightway Insurance franchise ranges from $43,425 to $186,900. This includes a franchise fee of $25,000. Ongoing royalty fees are 0.0% of gross sales.
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