We InsureFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A We Insure franchise requires a total initial investment of $70K – $138K, including a $50K franchise fee and an ongoing 25.0% royalty[2]. The 2025 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: F. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $70K – $138K
- 37th pct Financial Ser…
- Avg gross sales
- N/A
- 30th pct Financial Ser…
- Royalty
- 25.0%
- 44th pct Financial Ser…
- Units
- 157
- 46th pct Financial Ser…
- SBA default
- 0.0%
- system-wide median varies by category
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
Franchised units fell from 224 to 156 over 3 years. Investigate why operators are leaving.
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.
- Verdict F (Bottom Quintile) with a risk score of 97/100.
- 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
- Legal entity
- We Insure, LLC
- Parent company
- PEAK6 Insurtech Holdings LLC
- 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
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.
- CEO
- Judi Hart
- Headquarters
- FL
- Founded
- 2009
- FDD year
- 2025
- States available
- 21
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
- Better than avg vs category
- Liquid capital req'd
- $15K – $53K
- Near category avg vs category
- Franchise fee
- $50K – $50K
- Near category avg vs category
- Royalty
- 25.0%
- Retained Commissions · typical 6–8%
- Ad fund
- 3.0%
- typical 3–5%
- Total fee load
- 28.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 25.0% of gross sales |
| Marketing / ad fund | 3.0% of gross sales |
| Technology fee | $400 |
| Transfer fee | $50K |
| Total fee load | 28.0% 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 We Insure Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 157
- Opened
- 1
- Last reporting year
- Closed
- 2
- Turnover rate
- 1.3%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 99%
- vs corporate-owned
- Net growth (yr3)
- -20.0%
- Net unit change last year
- 3-yr CAGR
- -30.4%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 4
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
- 0.0%
- rates vary by category · see methodology
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
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into We Insure's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 1 lenders with concentration factor
- Per-state charge-off rates across 1 states
- Startup risk premium and job creation velocity
- 1-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
Risk analysis
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.
Audited financials (Item 21)
Yes · RSM US LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 97 / 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
| 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 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 224 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 F-grade franchise with a risk score of 97 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.
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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.