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Brightway Insurance Franchise FDD, Costs & Fees (2025)

Brightway Insurance specializes in providing personalized insurance solutions, offering clients access to a wide range of coverage options and carriers to help them find the right policies for their specific needs and budget.

Established in 2003, Brightway Insurance has grown into a leading force among insurance agency distributors, with its headquarters based in Jacksonville, Florida. Since it began franchising in 2008, the company has expanded impressively offering a wide selection of personal and small business insurance solutions.

With this vast reach, Brightway has exceeded $1 billion in annual premiums, positioning itself among the largest privately held property and casualty insurance distributors in the U.S. Its remarkable growth and scale have become key markers of its industry influence.

Brightway has earned national recognition for its franchise model, including being ranked third on Yahoo! Finance’s list of top affordable franchises with strong profit potential. The company’s ongoing focus on innovation and expansion continues to propel its leadership in the competitive insurance market.

Initial investment

Here's what you would need to invest if you were to start this franchise. These costs are provided by the franchisor in the Franchise Disclosure Document.

Type of Expenditure Amount
Initial Fee $25,000 to $50,000
Lease Deposit and First Month’s Rent $0 to $5,000
Leasehold Improvements $0 to $10,000
Furniture, Furnishings, and Fixtures $0 to $7,000
Equipment $1,600 to $6,000
Signage $4,500 to $12,500
Professional Fees $600 to $3,500
Insurance Policies $2,300 to $5,000
Licensing Fees $0 to $1,000
Opening Advertising Expense $0 to 4,500
Additional Funds – Six Months $23,000 to $55,000
TOTAL ESTIMATED INITIAL INVESTMENT $56,900 to $159,500
Type of Expenditure Amount
Initial Fee $25,000 to $50,000
Lease Deposit and First Month’s Rent $0 to $5,000
Leasehold Improvements $0 to $10,000
Furniture, Furnishings, and Fixtures $0 to $7,000
Equipment $1,600 to $6,000
Signage $4,500 to $12,500
Professional Fees $600 to $3,500
Insurance Policies $2,300 to $5,000
Licensing Fees $0 to $1,000
Opening Advertising Expense $0 to 4,500
Additional Funds – Six Months $23,000 to $55,000
TOTAL ESTIMATED INITIAL INVESTMENT $56,900 to $159,500

Brightway Insurance

2024

Franchise Disclosure Document

Number of units

Training

Brightway Insurance provides its franchisees with a structured set of training programs, ensuring both the Franchisee and their staff are properly equipped to operate effectively. Here’s a clear explanation of the training programs:

  1. Initial Training Program
    Brightway offers an initial training program at no cost to the Franchisee and the Designated Agency Principal. This training is mandatory for all staff and covers core aspects of the business. Additional trainees who do not attend the initial session are subject to a new hire fee. Training can be conducted online or at Brightway’s corporate offices, depending on the company’s discretion.
  2. Enhanced Supervision Program (ESV Program)
    For Designated Agency Principals who do not meet the minimum experience requirements, Brightway requires participation in the Enhanced Supervision Program. This program provides additional training modules and supervision during the initial operational period. Non-compliance with the ESV Program can lead to disqualification from incentive programs.
  3. Additional and Ongoing Training
    Brightway reserves the right to require Franchisees and their staff to attend additional training at any point during the franchise term. These sessions are aimed at addressing evolving business needs, updates, or improvements.

Territory Protection

Brightway Insurance does not offer exclusive territory protection to its franchisees. The franchise agreement clearly states that franchisees may face competition from other Brightway franchisees, company-owned outlets, or other channels of distribution under Brightway’s control.

Additionally, there are no restrictions on where in the state other franchisees may solicit customers, and approval is needed to operate outside the designated state. Franchisees are not compensated if other franchisees or Brightway itself solicits customers within their geographic area.

While there is flexibility for agency owners in border counties to serve neighboring states, this is subject to Brightway’s approval and operational standards. Overall, the franchise model is built with open competition in mind, and franchisees should be prepared for this competitive environment.

Competitors

Below are some of

Brightway Insurance

key competitors in the

Insurance

sector.

Franchise
Franchisees
Initial fee
Total investment
Revenue
Sign up
Gross Profit
Sign up
EBITDA
Sign up

333

New
+
16%
16%

$50,000

$57,000

$160,000

n.a.

$0

$xxx,xxx

n.a.

xx%

n.a.

n.a.

xx%

n.a.

Competitors

Pronto

Pronto Insurance is an insurance-franchise offering auto, home, business, and specialty coverage, serving Hispanic-market retail clients, and known for low-cost retail locations, strong brand awareness in Hispanic communities, and turnkey franchise support.

Franchisees

?

29
+
-28%
-28%
Investment

?

$27,000 - $115,000

Legacy Claims Services

Legacy Claims Services is a claims adjusting and disaster response franchise offering property & casualty claims management, serving insurance companies and homeowners, and known for fast mobilization, trained adjusters, and national reach.

Franchisees

?

29
+
n.a.
n.a.
Investment

?

$68,000 - $138,000

GlobalGreen Insurance Agency

GlobalGreen Insurance Agency is an insurance franchise offering home, auto, life, business, and specialty policies, serving local communities, and known for combining national carrier access with personalized service and franchisee support.

Franchisees

?

167
+
0%
0%
Investment

?

$33,000 - $70,000

All Nevada Insurance

All Nevada Insurance is an insurance brokerage franchise offering personal and commercial policies from multiple carriers, providing turnkey operations, comprehensive training, and marketing support to franchisees aiming for profitable growth.

Franchisees

?

14
+
40%
40%
Investment

?

$59,000 - $145,000

Estrella Insurance

Estrella Insurance offers a wide range of insurance products, providing affordable and personalized coverage options to meet individual and business needs.

Franchisees

?

201
+
18%
18%
Investment

?

$12,000 - $84,000

Keystone Insurers Services Group

Keystone Insurers Services Group supports independent insurance agencies with comprehensive back-office, technology, and marketing services.

Franchisees

?

274
+
-2%
-2%
Investment

?

$27,000 - $99,000

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