Freeway Insurance
Formerly known as Confie
Bottom line
- Total investment $35K – $84K including a $25K franchise fee, 14.0% ongoing royalty.
- Average unit revenue of $467K/year (median $384K).
- Rated STRONG with a risk score of 45/100. SBA loan default rate of 0.0% across 2 loans (below the industry average).
- Auditor disclosed a going-concern note — flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
Yale framework · single-unit ROIC
Returns Analysis
Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.
The model · Yale framework
What would one Freeway Insurance unit return on the cash you put in?
Unlevered ROIC · per unit
13%
Below typical band (30–60%)
Overview
About
Freeway Insurance franchisees operate as independent insurance agents selling auto, home, and specialty insurance policies to customers. Daily operations include customer consultations, policy comparisons, paperwork processing, customer service management, and lead generation. Franchisees leverage the corporate brand's relationships with insurance carriers while building their own customer base in protected territories.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 15 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator — not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
While Freeway Insurance shows strong unit growth and no litigation, the absence of profitability disclosure combined with a steep 14% royalty rate presents meaningful risk in assessing realistic franchisee earnings.
Score breakdown · what drove the 45 / 100 rating
- 01MEDNet income not disclosed in FDD Item 19 — unable to calculate actual ROI or profitability benchmarks
- 02MINORHigh royalty burden of 14% on gross revenue significantly impacts bottom-line profitability
- 03MINORRapid unit growth of 73.7% YoY may indicate unsustainable expansion or aggressive recruitment over quality support
- 04MINORInitial investment range ($34,950–$84,000) is broad, suggesting inconsistent territory valuations or hidden costs
- 05MINORNo disclosure of average net profit despite $466,858 average revenue creates opacity around true earnings potential
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
Item 11
Training & Operations
Item 20
Franchisee Contacts
Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.
Franchisee contacts
19 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Freeway Insurance · FDD (2025) PDF