Freeway Insurance: Empowering Communities Through Affordable Coverage

Founded in 1987 in Orange County, California, Freeway Insurance has grown into one of the largest privately held insurance distribution companies in the United States.

Headquartered in Huntington Beach, California, the company provides a wide range of insurance products, including auto, home, renters, health, life, motorcycle, and watercraft coverage. Freeway is especially known for serving high-risk drivers and underserved communities, offering affordable and accessible insurance solutions nationwide.

In 2008, Freeway Insurance joined Confie, a prominent national insurance distribution platform. This strategic alliance enabled Freeway to expand its footprint across the country. The company began franchising in 2021 and has since established over 500 retail locations across 32 states, including California, Texas, Florida, and Illinois.

Freeway Insurance sets itself apart by combining affordability, convenience, and personalized service. Customers can access services in-person, online, or over the phone—offering maximum flexibility.

Training

Freeway Insurance provides a comprehensive training program to its franchisees. Here are the main training components offered by the franchisor:

1. Initial Management Training: This is provided at no extra charge to the franchisee and its owners. It must be completed to the satisfaction of the franchisor and can be conducted at the corporate office, approved franchise location, or another site designated by the franchisor. This program combines both remote and in-person training formats.
2. Initial Operations Training: Aimed at the Brokerage Principal Operator and other approved designees, this training is also offered at no additional cost if they attend concurrently with the franchisee. Successful completion is mandatory for proceeding with operations.
3. Additional Required Training: After the franchise begins operations, the franchisor may mandate up to four training events per calendar year at its headquarters. These are subject to a fee of $350 per attendee, in addition to associated travel and living costs.
4. On-Demand and Remedial Training: If requested by the franchisee or deemed necessary by the franchisor, additional on-site training is available. The cost is $350 per trainer per day, plus expenses. This may be required as a condition for opening or continued support in case of operational deficiencies.
5. Ongoing Periodic Coaching: The franchisor may provide periodic coaching or training sessions in various formats (e.g., virtual, in-person) covering operational practices, updated procedures, and effective use of franchise tools.

Territory Protection

Freeway Insurance offers its franchisees a form of limited territorial protection, referred to as a "Protected Area." While franchisees are not granted an exclusive territory overall, they are protected from having another Freeway Brokerage established within their specifically designated Protected Area, as long as they remain in good standing and not in default of their agreement.

However, Freeway Insurance explicitly reserves broad rights outside the Protected Area. The franchisor, along with its affiliates, retains the ability to operate or license others to operate similar businesses using different branding anywhere, including within the Protected Area.