Estrella Insurance: A Trailblazer in Multi-Line Coverage Solutions

Established in 1980 by Nicolas Estrella, Estrella Insurance has grown from a local Miami-based agency into a nationwide provider of insurance and financial services. Since launching its franchise program in 2008, the brand has expanded rapidly, now boasting more than 200 locations across states like Florida, Arizona, Texas, Illinois, New York, Colorado, and North Carolina.

Estrella Insurance offers an all-in-one platform for auto, home, business, life, and health coverage, designed to meet the needs of a wide range of clients.

What sets the franchise apart is its access to over 100 insurance carriers, giving franchise owners the flexibility to deliver customized policies at competitive prices—an advantage that supports strong customer retention and satisfaction.

The brand's consistent performance has earned it significant recognition, including 13 consecutive years in Entrepreneur Magazine’s Franchise 500®. In 2025, it reached a new milestone by being ranked the top franchise in its category, underscoring its position as a dependable and scalable opportunity in the insurance industry.

Training

Estrella Insurance provides a comprehensive training program to ensure that franchisees are well-prepared to operate their businesses effectively. The training consists of several distinct components:

1. Initial Training Program
   This is an eight-week program that combines classroom instruction and on-the-job training conducted at Estrella’s designated training facility. Two management-level individuals must attend, one of whom should be the franchisee or an approved manager. The training must be completed at least one week before the franchise opens. All costs for travel, lodging, meals, and other associated expenses are borne by the franchisee.
2. Structured Curriculum
   The training includes topics such as introduction to insurance, agency operations, customer service, human resources, sales techniques, and operational procedures. A key instructional resource is the Estrella Operations Manual. The classroom portion is held primarily in Miami, Florida, while the hands-on training continues at other designated facilities.
3. Licensing Requirements
   Franchisees are required to complete all necessary state licensing courses and exams as part of the training process. This may include separate educational courses not provided by Estrella. Failure to complete training or obtain licensing can lead to termination of the agreement.
4. Additional and Refresher Training
   Estrella may require franchisees or their staff to attend additional or refresher training courses during the term of the franchise. While mandatory courses are offered free of charge, the franchisee must still cover all travel-related expenses. Optional training programs may incur fees.

Territory Protection

Estrella Insurance offers limited territory protection depending on the type of franchise model. Franchisees operating a Commercial Office Franchised Business are granted a protected territory, typically defined as an area within a one-mile driving radius from the approved location.

Within this zone, Estrella agrees not to establish or allow others to establish a competitive business under the same name, provided the franchisee remains compliant with their agreement.

However, this protection has several exceptions. Estrella retains the right to operate or grant franchises for businesses under different trademarks or systems within or outside the territory. Franchisees of Home-Based Franchised Businesses, on the other hand, do not receive any form of territorial protection and may face competition even within their operational area.