We Insure Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
We Insure is an independent insurance-agency franchise selling home, auto, and other personal and commercial policies across many carriers. Franchisees run an agency writing and servicing policies, with the franchisor providing back-office and carrier support.
FranchiseVerdict summary · 2026
A We Insure franchise requires a total initial investment of $70K – $138K, including a $50K franchise fee. The 2025 FDD does not disclose unit-level revenue (no Item 19). FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2025 FDD issuance
Overview
- Investment
- $70K – $138K
- 45th pct Financial Ser…
- Avg gross sales
- N/A
- Royalty
- N/A
- Units
- 157
- 57th pct Financial Ser…
- SBA charge-off
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = favorable by >10% vs Financial Services avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $70K – $138K including a $50K franchise fee.
- RETURNSNo Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- RISKVerdict C (Average), verdict score 43/100 (higher is better).
- DECLINESystem contracting at -30.4% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- We Insure, LLC
- Parent company
- PEAK6 Insurtech Holdings, LLC
- Predecessor
- We Insure, Inc. (f/k/a We Insure Florida, Inc.)
- Prior franchisor entity
- Incorporated in
- FL
- HQ
- 1560 Sawgrass Corporate Parkway, 4th Floor, Sunrise, FL 33323
- Auditor
- RSM US LLP
- Audited financials
- Franchisor revenue
- $41.8M
- vs $48.3M prior year
Overview
About
- CEO
- Judi Hart
- Headquarters
- FL
- Founded
- 2009
- FDD year
- 2025
- States available
- 21
Can you afford it, and what does the money buy?
Entry cost runs 21% below the typical financial services franchise.
Source: FDD 2025 · Items 5–7
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $15K | $53K |
| Equipment, build-out, other | $5K | $35K |
| Total initial investment | $70K | $138K |
Source: We Insure 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
- $70K – $138K
- Middle of category vs category
- Liquid capital req'd
- $15K – $53K
- Middle of category vs category
- Franchise fee
- $50K – $50K
- Middle of category vs category
- Royalty
- Franchisor's Retained Commission (its 'royalty') is 25% o…
- Ad fund
- Brand Fund contribution is 3% of Franchisee Commission ea…
- Total fee load
- 28.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Technology fee | $400 |
| Transfer fee | $50K |
| Total fee load | 28.0% of rev |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
We Insure did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one We Insure unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
76%
Above the 30–60% band. Verify revenue is per-unit average
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2025 FDD
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 28.0% — above the Financial Services average of 17.0%.
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Operator retention
System contracting at -30.4% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Financial Services averages
How We Insure Compares
Is the system healthy?
Source: FDD 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 157
- Opened
- 1
- Last reporting year
- Closed
- 2
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 1.3%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 99%
- vs corporate-owned
- Net growth (3-yr)
- -30.4%
- Net unit change over 3 years
- 3-yr CAGR
- -30.4%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 1
- Closed (3yr)
- 2
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 4
- Reacquired (3yr)
- 38
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 27 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.
A system losing more than 10% of its units year-over-year is a red flag. Check whether closures are concentrated in specific regions.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA loan disclosures. This brand has only 1 7(a) loan on file; statistical reliability is limited below 10 loans.
- Total loans
- 1
- Loan volume
- $650K
- Median loan
- $650K
- 50th percentile
- Charge-off rate
- N/A
- limited sample (1 loan) — rate not shown below 10
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- N/A
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 1
- Defaults
- N/A
Explore lender portfolios on Bank Reports or regional data on State Reports.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Strong balance sheet (net worth $53.9M, revenue $48.3M) but a small net loss of -$203,167, no Item 19, and a sharp -30.4% net unit decline (157 units). Two old settled predecessor lawsuits (2017, 2019-20) are low weight. Concerns stack: net loss, no earnings disclosure, and contracting unit count.
Audited financials (Item 21)
Yes · RSM US LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 43 / 100 verdict
- 01MINORNet loss: -$203,167 despite $48.3M revenue
- 02MINORSharp unit contraction: net growth -30.4%
- 03MINORNo Item 19 disclosure
- 04MINORTwo settled predecessor lawsuits (low weight)
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 28.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 5 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 1 |
| Protected territory | No |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | No |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 2 |
Items 10, 11
Training & Operations
- Classroom training
- 133 hrs
- On-the-job training
- 0 hrs
- POS system
- Applied Epic
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Applied Epic
Item 20 · call current owners
Franchisee Contacts
183 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
We Insure · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a We Insure franchise?
The total investment to open a We Insure franchise ranges from $70K – $138K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do We Insure franchise owners earn?
We Insure 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 Item 19 in the We Insure FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the We Insure FDD and qualifies whose outlets they describe.
What is We Insure's franchise failure rate?
SBA 7(a) loan charge-off data is not available for We Insure (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 We Insure franchise locations are there?
As of their most recent FDD filing, We Insure has 157 total units in the United States, including 156 franchised units and 1 company-owned units. 1 new units were opened in the latest reporting year.
Is We Insure a good franchise to buy?
FranchiseVerdict rates We Insure as a C-grade franchise with a verdict score of 43 out of 100 (higher is better), 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
Are you the franchisor?
If you represent We Insure, you can request corrections or provide updated information.
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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.