We Insure Franchise FDD, Profits & Costs (2025)
We Insure is a national insurance franchise that offers a unique model designed to empower agents with access to top insurance carriers while providing extensive back-office support. Founded in 2009 in Jacksonville, Florida, the company has rapidly expanded its footprint across the United States.
That same year, We Insure began franchising, allowing independent agents and entrepreneurs to leverage its strong carrier relationships, cutting-edge technology, and operational support. Today, the company boasts over 200 locations across 36 states, serving more than a million policyholders.
We Insure specializes in offering a wide range of personal and commercial insurance products, including home, auto, business, and life insurance.
What sets the franchise apart is its carrier access and full-service support model, which allows franchisees to focus on selling policies and serving clients while We Insure handles administrative, IT, service, and marketing functions.
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Initial Investment
How much does it cost to start a We Insure franchise? It costs on average between $44,000 – $137,000 to start a We Insure franchised facility.
This includes costs for office setup, technology, licensing, and initial operating expenses. The exact amount depends on various factors, including the location, office size, and whether the franchisee chooses to lease or purchase the property.
| Type of Expenditure | Amount |
|---|---|
| Initial Franchise Fee | $50,000 |
| Agency Management System License Activation Fee | $200 – $400 |
| E&O/Cyber Insurance | $130 |
| Real Estate/Rent | $500 – $2,000 |
| Leasehold Improvements | $0 – $15,000 |
| Furniture, Fixtures, and Equipment | $1,000 – $5,000 |
| Utility Deposits | $200 – $500 |
| Exterior Signage | $300 – $3,000 |
| Insurance | $300 – $2,000 |
| Designated Carrier Appointment Fees | $0 – $600 |
| Branding Package | $815 |
| Licenses and Permits | $500 – $2,000 |
| Legal and Accounting | $500 – $3,000 |
| Additional Funds for Initial Period (3 Months) | $15,000 – $52,500 |
| Total Estimated Initial Investment | $44,445 – $136,945 |
Competitors
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We Insure Franchise Disclosure Document
Frequently Asked Questions
How many We Insure locations are there?
As of the latest data, We Insure operates a total of 198 locations across the United States. The majority of these are franchised units, totaling 197, while the company retains ownership of one corporate location.
What is the total investment required to open a We Insure franchise?
The total investment required to open a We Insure franchise ranges from $44,000 to $137,000.
What are the ongoing fees for a We Insure franchise?
We Insure franchisees pay a variable royalty fee as outlined in the Franchise Disclosure Document. Additionally, they contribute a marketing/advertising fee of 3% of monthly sales to support national brand promotion and marketing efforts.
What are the financial requirements to become a We Insure franchisee?
To become a We Insure franchisee, candidates are typically required to have a minimum liquid capital ranging from $30,000 to $75,000.
Who owns We Insure?
We Insure is owned by PEAK6 InsurTech, a subsidiary of PEAK6, which acquired the company in 2021.
Disclaimer
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