Renegade InsuranceFranchise Cost, Revenue & Review 2026
Data from FDD filing
FranchiseVerdict summary · 2026
A Renegade Insurance franchise requires a total initial investment of $28K – $101K, including a $25K franchise fee and an ongoing 20.0% royalty[2]. The 2025 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: D. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $28K – $101K
- 7th pct Financial Ser…
- Avg gross sales
- N/A
- 30th pct Financial Ser…
- Royalty
- 20.0%
- 32nd pct Financial Ser…
- Units
- 1
- 0th pct Financial Ser…
- SBA default
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = >15% above Financial Services avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Started franchising in 2024. Newer systems carry more uncertainty but may offer better territories.
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.
- Verdict D (Below Average) 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
- Legal entity
- Renegade Insurance Franchising LLC
- Parent company
- Renegade Insurance Inc.
- Incorporated in
- FL
- HQ
- 3120 S Kirkman Road, Suite 2B, Orlando, Florida 32811
- Auditor
- Kezos & Dunlavy
- Audited financials
- Franchisor revenue
- $0
- Most recent fiscal year
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.
- CEO
- Rashik Adhikari
- Headquarters
- FL
- Founded
- 2024
- FDD year
- 2025
- States available
- 1
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $25K | $25K |
| Working capital (3–6 mo) | $3K | $18K |
| Equipment, build-out, other | $725 | $59K |
| Total initial investment | $28K | $101K |
Source: Renegade Insurance 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $28K – $101K
- Better than avg vs category
- Liquid capital req'd
- $3K – $18K
- Better than avg vs category
- Franchise fee
- $20K – $40K
- Better than avg vs category
- Royalty
- 20.0%
- percentage_of_gross · typical 6–8%
- Ad fund
- $2,000
- Total fee load
- 20.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 20.0% of gross sales |
| Technology fee | $375 |
| Transfer fee | $5K |
| Renewal fee | $0 |
| Total fee load | 20.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Financial Services averages
How Renegade Insurance Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 1
- Opened
- 1
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
3-year detail · Item 20
- Transfers (3yr)
- 0
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 contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
Risk analysis
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.
Audited financials (Item 21)
Yes · Kezos & Dunlavy
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
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
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 2 |
| Territory type | State |
| Protected territory | No |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 3 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 4 |
Items 10, 11
Training & Operations
- Classroom training
- 42 hrs
- On-the-job training
- 28 hrs
- POS system
- point-of-sale system
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: point-of-sale system
Item 20 · call current owners
Franchisee Contacts
13 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Renegade Insurance · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Renegade Insurance franchise?
The total investment to open a Renegade Insurance franchise ranges from $28K – $101K, with an initial franchise fee of $25K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Renegade Insurance franchise owners earn?
Renegade Insurance does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is Renegade Insurance's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Renegade Insurance (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many Renegade Insurance franchise locations are there?
As of their most recent FDD filing, Renegade Insurance has 1 total units in the United States, including 0 franchised units and 0 company-owned units. 1 new units were opened in the latest reporting year.
Is Renegade Insurance a good franchise to buy?
FranchiseVerdict rates Renegade Insurance as a D-grade franchise with a risk score of 72 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.