Renegade Insurance
Formerly known as RIF
Bottom line
- Total investment $28K – $101K including a $25K franchise fee, 20.0% ongoing royalty.
- No Item 19 financial performance data disclosed — the franchisor chose not to publish revenue figures.
- Rated CAUTION with a risk score of 72/100.
- No Item 19 financial performance representation. Without franchisor-disclosed revenue data, you'll need to gather unit economics directly from existing franchisees.
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 Renegade Insurance unit return on the cash you put in?
Unlevered ROIC · per unit
0%
Negative
Overview
About
Renegade Insurance franchisees likely operate as independent insurance agents or brokers, selling insurance products (auto, home, commercial, or specialty lines) to retail and commercial customers. Daily activities typically involve prospecting clients, quoting policies, processing applications, managing renewals, and handling customer service—either from a physical office or remote setup depending on franchise model.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 13 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.
No SBA loan data available for this brand.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
A single-unit franchise system with litigation history, opaque financials, punitive royalties, and potential franchisor instability presents extreme investment risk.
Score breakdown · what drove the 72 / 100 rating
- 01MINOROnly 1 active franchise unit with unknown growth trajectory suggests a non-viable or collapsing system
- 02MINORRoyalty structure of 20-60% of gross revenue is extremely high and will severely limit profitability regardless of sales volume
- 03HIGHFour litigations involving breach of contract, fraud, and misrepresentation against affiliate entity raises serious concerns about corporate integrity and business practices
- 04MEDNo disclosed average revenue or net income data prevents meaningful ROI analysis and suggests franchisor may be hiding poor unit economics
- 05MINORUnprotected territory exposes franchisees to direct competition from other franchisees and the franchisor itself
- 06HIGHGoing Concern status is False, indicating potential financial instability of the parent franchisor
- 07MINORHigh franchise fee ($25,000) combined with wide investment range ($28,350-$101,200) suggests unclear or variable startup costs
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
13 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Renegade Insurance · FDD (2025) PDF