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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.
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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
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Unlock financial performance dataWE INSURE Franchise Analysis
A franchise promising turnkey insurance sales with back-office support sounds ideal, yet WE Insure's network contraction hints at deeper challenges. The FDD reveals a system undergoing significant shrinkage alongside high ongoing fees, but without Item 19, franchisee earnings remain a black box. Can low startup costs offset these risks, or is this a cautionary tale?
Item 7 lays out the financial entry: total investment ranges from $69,916 to $137,888, including a $50,000 franchise fee, driven by modest build-out needs like office leasehold improvements ($10,000-$30,000) and tech setup. Ongoing fees are steep per Item 6—25% retained commission on new business, 45% on renewals (netting the franchisor effectively high royalties), plus 3% brand fund, $400/month tech fee (first user), $226/month E&O insurance, and $100/month new submissions. With only 2 SBA loans averaging $349,850 on record, financing appeal seems limited, suggesting banks view it cautiously.
System health metrics in Item 20 paint a concerning picture: locations dropped from 194 in 2023 to 156 in 2024 (-20% growth), with just 20 projected new units, 4 transfers, and 1 corporate spot. Litigation notes flag two settlements (2017, 2019-2020) over breach, fraud, and FDUTPA claims with ex-franchisees. No Item 19 disclosure is a major gap—without validated revenue or profit figures, investors can't gauge ROI amid high fees and declining units. This setup suits sales pros in competitive markets but demands scrutiny for long-term viability.
Analysis based on the 2025 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.
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 |
| RE/MAX | $37K – $337K | $35K | 1.0% | 2,994 |
| JACKSON HEWITT TAX SERVICE | $71K – $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K – $21K | $11K | 3.0% | 2,655 |
Business Services Average 198 franchises | $121K – $289K | $47K | 10.2% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 198 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
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Unlock location growth dataSBA 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.
2 SBA loans on record
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Unlock SBA loan historyFranchisee Contacts
193 franchisee contacts on file from official FDD filings.
193 Contacts Available
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Unlock contactsDue 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
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Unlock due diligence reportsFrequently 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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