Brightway Insurance Franchise FDD, Profits & Costs
Brightway Insurance, founded in 2003, is a prominent insurance agency distributor headquartered in Jacksonville, Florida. Since initiating its franchising operations in 2008, the company has expanded to over 350 locations across 35 states, offering a diverse range of personal and small commercial insurance products.
This extensive network has enabled Brightway to surpass $1 billion in annual premiums, solidifying its position as one of the largest privately-owned property and casualty insurance distribution companies in the United States.
Brightway’s commitment to its franchisees has been recognized with accolades such as ranking third on Yahoo! Finance’s list of top affordable franchises with high profits.
The company’s dedication to innovation and growth continues to drive its success in the competitive insurance industry.
Initial Investment
How much does it cost to start a Brightway Insurance franchise? It costs on average between $43,000 - $187,000 to start a Brightway Insurance franchised center.
This includes costs for office setup, technology, equipment, and initial operating expenses. The exact amount depends on various factors, including the location, size of the agency, and whether the franchisee opts to lease or purchase the property.
| Type of Expenditure | Amount |
|---|---|
| Initial Fee | $25,000 to $35,000 |
| Lease Deposit and First Month’s Rent | $0 to $7,000 |
| Leasehold Improvements | $0 to $10,000 |
| Furniture, Furnishings, and Fixtures | $0 to $7,000 |
| Equipment | $2,300 to $6,700 |
| Signage | $125 to $20,000 |
| Professional Fees | $600 to $2,500 |
| Insurance Policies | $300 to $4,000 |
| Licensing Fees | $100 to $1,200 |
| Opening Advertising Expense | $0 to $3,500 |
| Additional Funds – 6 Months | $15,000 to $90,000 |
| Total Estimated Initial Investment | $43,425 to $186,900 |
Average Revenue (AUV)
How much revenue can you make with a Brightway Insurance franchise? A Brightway Insurance franchised business makes on average $64,000 in revenue (AUV) per year.
Here is the extract from the Franchise Disclosure Document:
Brightway Insurance Franchise Disclosure Document
Frequently Asked Questions
What funding options are available for a Brightway Insurance franchise?
Most franchise buyers in Brightway Insurance’s investment range finance their unit through an SBA 7(a) loan, with some multi-unit operators using SBA 504 loans. Buyers with rollable retirement funds sometimes use a ROBS structure. See SharpSheets financial model hub for guidance.
How long does it take to pay back a Brightway Insurance franchise investment?
Payback periods typically run 3-7 years depending on investment level, location performance, and financing structure. Actual payback varies significantly by unit performance and debt service obligations.
Who owns Brightway Insurance?
Brightway Insurance franchise is owned by Brightway Insurance, Inc., which is a privately held company. The franchise is led by a team of experienced executives and has expanded significantly through its franchising model, with a strong network of franchisees across the United States.
SharpSheets Editorial Team | sharpsheets.io | Last Updated: July 2026
Disclaimer
Disclaimer: This content has been made for informational and educational purposes only. SharpSheets is an independent educational resource and is not affiliated with, endorsed by, or representing any franchisor mentioned on this website. Where noted, figures are taken from the franchisor’s Franchise Disclosure Document (FDD). In some cases, we may provide independent calculations or estimates based on publicly available information. We do not make any representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the information presented in the article. You should not construe any such information or other material as legal, tax, investment, financial, or other professional advice. Nothing contained in this article constitutes a solicitation, recommendation, endorsement, advertisement, or offer to buy or sell any franchises, securities, or other financial instruments in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the franchise and/or securities laws of such jurisdiction.
All content in this article is information of a general nature and does not address the detailed circumstances of any particular individual or entity. Nothing in the article constitutes professional and/or financial and/or legal advice, nor does any information in the article constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in this article before making any decisions based on such information or other content.
Research Brightway Insurance franchise data: For the full FDD cost breakdown, investment tables, and Item 19 disclosures, visit FranchisePayback.com → Brightway Insurance FDD Review.
