WE INSURE
We Insure franchises enable owners to operate insurance agencies that sell and service property and casualty, general lines, automobile, business, life, and homeowners insurance policies through a network of designated carriers using the franchisor's proprietary system standards, processes, technology, trademarks, and support services. The business model focuses on front-end sales by franchisees while the franchisor handles back-end administrative tasks, carrier relationships, marketing, training, and accounting. The target market is the general public seeking personal and commercial insurance products in competitive local markets.
Disclaimer: This information was extracted using AI from public Franchise Disclosure Documents and should be independently verified. This is not financial or legal advice. Always review official FDD filings before making investment decisions.
Overview
Financial Requirements
25% retained commission (royalty) on new business and 45% on renewals + 3% brand fund + $400-$625/mo technology fee + $226/mo E&O insurance + $100/mo new submissions fee
Franchise Stats
Financial Performance
Item 19 Financial Performance
This franchise did not provide Item 19 financial performance data.
Be careful if you are interested in investing. The lack of financial performance representations may indicate limited data or varying results across franchises.
Extracted Item 19 Section
How WE INSURE Compares to Other Business Services Franchises
Key Insights
- Higher than average SBA loan default rate in Business Services
| Franchise | Investment Range | Franchise Fee | Royalty | Locations |
|---|---|---|---|---|
WE INSURE Current | $69K - $137K | $50K | 25.0% | 156 |
| 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 187 franchises | $118K - $285K | $46K | 10.4% | - |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 187 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
+18 more states
SBA Loan History
Historical SBA 7(a) loan data for WE INSURE franchisees (2016 - 2025)
Loans by Year
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
Franchisee Contacts
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193 franchisee contacts on file. Upgrade to see names, locations, phone numbers, and matched SBA loan data.
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Due Diligence
Litigation (Item 3)
Breach of franchise agreement, FDUTPA violations, and fraud claims by former franchisees, both settled with payments.
Bankruptcy (Item 4)
No bankruptcy history reported in the FDD.
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Frequently Asked Questions
How much does it cost to open a WE INSURE franchise?
The total initial investment to open a WE INSURE franchise ranges from $69,445 to $136,945. This includes a franchise fee of $50,000. Ongoing royalty fees are 25.0% of gross sales.
How many WE INSURE franchise locations are there?
As of the 2025 FDD, WE INSURE has 156 franchise locations. The company has been franchising since 2009.
Can you get an SBA loan for a WE INSURE franchise?
Yes, SBA loans are available for WE INSURE franchises. Historical data shows 2 SBA 7(a) loans have been approved for WE INSURE franchisees, with an average loan amount of $349,850. The historical default rate is 0.0%.
Is WE INSURE a good franchise to buy?
WE INSURE shows several positive indicators: established brand with 156+ locations, low SBA loan default rate. However, franchise success depends on many factors including location, local market conditions, and owner involvement. We recommend speaking with existing franchisees and consulting with a franchise attorney before making a decision.
Interested in WE INSURE?
Talk to a franchise advisor to get personalized guidance and learn if WE INSURE is the right fit for you.
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