We Insure Franchise FDD, Costs & Fees (2025)

We Insure is an insurance franchise offering a wide range of insurance products and services, providing personalized coverage solutions for individuals and businesses.

We Insure is a prominent national insurance franchise known for its innovative approach, giving agents access to leading insurance carriers while offering robust back-office support. Established in 2009 in Jacksonville, Florida, the brand has seen impressive growth and now operates across the country.

That same year, We Insure launched its franchising program, enabling independent agents and entrepreneurs to tap into its strong network of carriers, advanced technology, and comprehensive operational assistance.

The franchise delivers a broad portfolio of insurance products, covering areas like home, auto, business, and life insurance.

What truly differentiates We Insure is its combination of wide-ranging carrier partnerships and a full-service support system, allowing franchise owners to focus on sales and customer service while We Insure manages administrative tasks, IT support, customer service, and marketing efforts.

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 Franchise Fee $50,000
Agency Management System License Activation Fee $200 – $400
E&O/Cyber Insurance $130
Real Estate/Rent $500 – $2,000
Leasehold Improvements $0 – $15,000
Furniture, Fixtures, and Equipment $1,000 – $5,000
Utility Deposits $200 – $500
Exterior Signage $300 – $3,000
Insurance $300 – $2,000
Designated Carrier Appointment Fees $0 – $600
Branding Package $815
Licenses and Permits $500 – $2,000
Legal and Accounting $500 – $3,000
Additional Funds for Initial Period (3 Months) $15,000 – $52,500
Total Estimated Initial Investment $44,445 – $136,945
Type of Expenditure Amount
Initial Franchise Fee $50,000
Agency Management System License Activation Fee $200 – $400
E&O/Cyber Insurance $130
Real Estate/Rent $500 – $2,000
Leasehold Improvements $0 – $15,000
Furniture, Fixtures, and Equipment $1,000 – $5,000
Utility Deposits $200 – $500
Exterior Signage $300 – $3,000
Insurance $300 – $2,000
Designated Carrier Appointment Fees $0 – $600
Branding Package $815
Licenses and Permits $500 – $2,000
Legal and Accounting $500 – $3,000
Additional Funds for Initial Period (3 Months) $15,000 – $52,500
Total Estimated Initial Investment $44,445 – $136,945

Franchise Disclosure Document

Number of units

Training

We Insure provides a range of training programs to ensure franchisees are well prepared to operate their agencies successfully. Here’s a summary of the training they offer:

  1. Initial Training Program
    We Insure offers pre-opening training that includes instruction on agency operations, sales techniques, use of the proprietary software system, and compliance with industry regulations. This training is required for the Designated Responsible Licensed Producer (DRLP) or Agent-In-Charge (AIC), who will oversee daily operations.
  2. Ongoing Training and Support
    The franchisor provides post-opening ongoing training to help franchisees stay updated on operational best practices, technology updates, and sales strategies. This may include webinars, workshops, or periodic in-person sessions designed to address new products, carrier relationships, or market changes.
  3. Staff and Licensing Training
    We Insure requires all agency staff involved in selling or servicing insurance policies to complete specific training and maintain active licensing. The franchisor supports this with access to training materials, background checks, and the necessary approval process to ensure all personnel meet compliance standards.

Territory Protection

We Insure provides its franchisees with limited territory protection, but it is not absolute. The franchisor defines territories in the agreement, but it reserves the right to compete within those areas through certain channels like online platforms or corporate operations.

This means franchisees may face competition from other We Insure agencies or from the franchisor’s own marketing initiatives. Even though franchisees are granted a defined territory, We Insure retains flexibility to adjust or limit this protection based on performance or compliance.

If a franchisee does not meet minimum sales requirements or operational standards, the franchisor may revoke territorial rights. Therefore, maintaining compliance with system standards is critical to preserving any territorial advantage.

Overall, We Insure’s territorial model balances providing franchisees with some local exclusivity while protecting the franchisor’s ability to grow and innovate. Franchisees should carefully review their agreements to fully understand the scope and limits of their territorial rights.

Competitors

Below are some of

We Insure

key competitors in the

Insurance

sector.

Franchise
Franchisees
Initial fee
Total investment
Revenue
Upgrade
Gross Profit
Upgrade
EBITDA
Upgrade

197

New
+
6%
6%

$50,000

$44,000

$137,000

n.a.

$0

$xxx,xxx

n.a.

xx%

n.a.

n.a.

xx%

n.a.

Competitors

Pronto

Pronto is a quick-service restaurant franchise offering fast-casual sandwiches, salads, and healthy bites, serving lunch and dinner diners, and known for fresh ingredients, efficient service, and modern fast-casual ambiance.

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