Pronto Insurance was established in 1997 in Brownsville, Texas, with the goal of making insurance and basic financial services more accessible and affordable for consumers who are often overlooked by traditional providers. The company operates from its headquarters at 805 Media Luna Street in Brownsville.

The brand initially grew throughout Texas before expanding to other states, including California and Florida, where it now operates more than 200 retail locations. Its steady growth created a foundation for a broader national presence.

Pronto introduced its franchise program in 2009, allowing entrepreneurs across the country to open retail insurance centers under the Pronto name. This model gave franchisees the opportunity to replicate the company’s streamlined approach to community-based insurance services.

A major differentiator for Pronto is its storefront-style operation, which frequently includes the convenience of a drive-thru service option. The company specializes in value-focused and non-standard insurance offerings, including coverage for autos, homes, motorcycles, RVs, and mobile homes.

Training

The Pronto Insurance franchise provides a comprehensive training program designed to ensure that franchisees and their staff are equipped to successfully operate a franchised location. Here are the key training programs offered:

1. Initial Training Program: Before opening the business, the Designated Principal, General Manager, and one additional person (up to three in total) must attend and successfully complete a two-week training course. This program covers operations, the Pronto system, and related procedures, and must be completed no later than 30 days before opening.
2. Pre-Opening and Opening Assistance: Pronto sends representatives to the franchise location to assist with pre-opening preparations and initial operations. This includes staff training, standardization of procedures, and operational setup, with additional days available at a per diem fee.
3. Ongoing and Refresher Training: The franchisor may require attendance at refresher courses, seminars, or other training events. These are aimed at maintaining operational standards and ensuring ongoing compliance with system updates.
4. Replacement Training: If a Designated Principal or General Manager leaves, the franchisee must promptly enroll a qualified replacement in the training program. Pronto may also require retraining if franchisee-led training does not meet its standards.
5. Franchisee-Delivered Training: For General Managers beyond the first one, franchisees may train them internally, provided they meet Pronto’s standards and have completed the initial training themselves. Pronto retains the right to review and approve internally trained personnel.

Territory Protection

The Pronto Insurance franchise grants franchisees a non-exclusive territory known as the “Area of Primary Responsibility.” This area is mutually agreed upon and documented in the Franchise Agreement.

While franchisees are expected to concentrate their marketing and business activities within this area, it does not prevent the franchisor or its affiliates from establishing or operating other businesses within or outside the same region.

Despite the designation of an Area of Primary Responsibility, Pronto does not guarantee exclusivity. Franchisees may face competition from other Pronto outlets or businesses operated by the franchisor or its affiliates under different brand names.