We Insure
Bottom line
- Total investment $70K – $138K including a $50K franchise fee, 25.0% 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. SBA loan default rate of 0.0% across 2 loans (below the industry average).
- System 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
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 We Insure unit return on the cash you put in?
Unlevered ROIC · per unit
-27%
Negative
Overview
About
We Insure franchisees operate insurance sales agencies, generating revenue through sales commissions on new business policies and renewals. Day-to-day activities include client prospecting, policy sales, client service, and commission tracking, with earnings heavily dependent on commission volume and subject to 25-45% royalty payments to the franchisor.
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 · 7 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
We Insure presents high risk due to rapid unit contraction (-20% YoY), undisclosed financial metrics, multiple fraud-related lawsuits, exploitative royalty splits, and going concern issues—indicating a deteriorating franchise system with troubled franchisee relationships.
Score breakdown · what drove the 72 / 100 rating
- 01MEDUnit count declined 20% YoY (157 units) indicating system contraction and potential franchisee struggle
- 02MINORNo average revenue or net income disclosure prevents ROI assessment and suggests poor performance metrics
- 03MEDHigh royalty structure (25-45% of commissions) creates earnings pressure, especially on renewal business at 45%
- 04HIGHTwo settled litigation cases alleging breach of contract and fraud signal franchisee-franchisor relationship breakdown
- 05MINORUnprotected territory creates competition risk within same market and cannibalization potential
- 06HIGHFalse 'Going Concern' status indicates franchisor financial stability questions
- 07MED$50,000 franchise fee with 20% unit decline suggests poor franchisee success and ROI recovery
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
100 numbers
One-time purchase · CSV download · Validation questions included
FDD download
We Insure · FDD (2025) PDF