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.
Franchise Costs
25% retained commission (royalty) on new business + 45% on renewals + 3% brand fund + $400/mo technology (1st user; +$225/additional) + $226/mo E&O insurance + $100/mo new submissions fee
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
Key Insights
- Higher than average SBA loan default rate in Business Services
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
WE INSURE Current | $70K – $138K | $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 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
+18 more states
SBA Loan History
Historical SBA 7(a) loan data for WE INSURE franchisees (2016 – 2025)
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
193 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 |
193 Contacts Available
Unlock all WE INSURE franchisee contacts with verified contact information
Due Diligence
Litigation (Item 3)
Two settlements with former franchisees involving breach of franchise agreement, FDUTPA violations, fraud, and related claims (2017 and 2019-2020).
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 WE INSURE franchise ranges from $69,916.25 to $137,887.5. This includes a franchise fee of $50,000. Ongoing royalty fees are 25.0% of gross sales.
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Also includes FDDs for
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