FDD Items 3 & 4 · 2026 filing
Goosehead Insurance litigation history
What Goosehead Insurance disclosed about lawsuits, arbitrations and bankruptcy in the 2026 Franchise Disclosure Document. Item 3 lists the material legal actions a franchisor must report; Item 4 covers bankruptcy. This is the franchisor's own disclosure, not a court record, and not legal advice.
Items 3 (litigation) & 4 (bankruptcy) at a glance
What the filing discloses
- Cases disclosed
- 5
- Item 3, as counted in the filing
- Largest settlement, franchisor's own cases
- None stated
- Bankruptcy (Item 4)
- None
- Franchisor, parent, predecessor or officer
- Filing year
- 2026
- Disclosures cover the prior ten years
Extracted from the 2026 Franchise Disclosure Document
Item 3: litigation
Two prior actions (Williams Insurance wrongful termination settled 2020; Richie Heumann wrongful termination settled Feb 2026) plus 3 suits initiated against former franchisees for unpaid fees in last fiscal year (A.M.O Enterprise, Roveske Frazier, Gutschenritter Agency)
Item 3 (litigation) · 5 matters disclosed
Litigation cases
The franchisor
Concluded (2)
Richie Heumann, Inc. v. Goosehead Insurance Agency, LLC
concludedBrought by a franchisee · filed 2024-09-19 · 236th District Court, Tarrant County, Texas · 236-357771-24
“… (Cause No. 236-357771-24, 236th Dist. Ct., Tarrant County, Texas), filed on September 19”Page 11 of the 2026 FDD, Item 3
Outcome: “order dismissing the lawsuit with prejudice was signed on February 26” (page 12)
Goosehead Insurance Agency, LLC v. Williams Insurance and Consulting, Inc.
concludedBrought by the franchisor · United States District Court for the Northern District of Texas · 4:19-cv-01040-O
“Goosehead Insurance Agency, LLC v.”Page 11 of the 2026 FDD, Item 3
Outcome: “On December 17, 2020, the parties entered into a settlement agreement pursuant to which each party dismissed its claims against the other and we agreed to purchase the”
Within this matter, as the filing narrates it
Williams Insurance and Consulting, Inc. v. Goosehead Insurance Agency, LLC
concludedBrought by a franchisee · names the franchisor · United States District Court, Eastern District of Michigan (removed and transferred to N.D. Texas, then dismissed) · 19-cv-13706
“Williams Insurance filed a wrongful termination lawsuit against us in Michigan (captioned Williams Insurance and Consulting, Inc. v.”Page 11 of the 2026 FDD, Item 3
Counted as one matter, the way Item 3 groups it.
Status not stated in the filing (3)
Goosehead Insurance Agency, LLC v. A.M.O Enterprise LLC
Brought by the franchisor · filed 2025-07-01 · Circuit Court, Anne Arundel County, Maryland · D-07-CV-25-017396
“… (Case No. D-07-CV-25-017396, Cir.”Page 12 of the 2026 FDD, Item 3
Goosehead Insurance Agency, LLC v. Gutschenritter Agency LLC
Brought by the franchisor · filed 2025-11-20 · Chapter 61 District Court, Johnson County, Kansas · JO-2025-LM-015757
“… (Case No. JO-2025-LM-015757, Ch. 61 Dist.”Page 12 of the 2026 FDD, Item 3
Goosehead Insurance Agency, LLC v. Roveske Frazier and Roveske Frazier Insurance Agency, Inc.
Brought by the franchisor · filed 2025-07-29 · County Court at Law No. 1, Tarrant County, Texas · 2025-0029791-1
“… (Case No. 2025-0029791-1, County Ct. at Law No.”Page 12 of the 2026 FDD, Item 3
One proceeding above is indented under the matter it belongs to because the filing narrates them inside it — an appeal, a consolidated case, a related arbitration. Each carries its own quote and page. They are counted with their matter, not as extra matters, so this list and the 5 Item 3 discloses agree.
Item 3 lists the litigation the franchisor must disclose; a matter against a parent, an affiliate or a named officer is not a matter against the franchisor, and pending claims are allegations, not findings.
Disclosure signals that moved the score
How this shows up in the verdict
- Multiple litigation cases involving franchisor collection actions and settled franchisee disputes indicate operational/relationship friction
The verdict grade is FranchiseVerdict's editorial assessment across SBA loan performance, unit growth, revenue and disclosure signals. It is not investment advice.
Before you weigh a lawsuit
How to read Item 3
A franchisor must disclose pending actions and any material civil action involving the franchise relationship, plus convictions or civil judgments for fraud, unfair or deceptive practices, or franchise-law violations, going back ten years. A case the franchisor brought against a franchisee counts too. Item 3 does not include every dispute: settled claims below the materiality line and matters resolved in private arbitration can be absent.
Questions worth asking current and former franchisees, using the contact list in Item 20:
- Were you, or anyone you know in the system, party to a dispute with the franchisor?
- Was it resolved by settlement, arbitration or a court, and on what terms?
- Has the number of disputes gone up or down since you signed?