We Insure Franchise FDD, Profits & Costs
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.
Initial Investment
How much does it cost to start a We Insure franchise? It costs on average between $60,000 - $138,000 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 | $40,000 to $50,000 |
| Agency Management System Activation Fee | $671.25 to $1,342.50 |
| E&O/Cyber Insurance | $234 |
| Real Estate/Rent | $500 to $2,000 |
| Leasehold Improvements | $0 to $15,000 |
| Furniture, Fixtures and Equipment | $1,000 to $5,000 |
| Utility Deposits | $200 to $500 |
| Exterior Signage | $300 to $3,000 |
| Insurance | $300 to $2,000 |
| Designated Carrier Appointment Fees | $0 to $600 |
| Branding Package | $815 |
| Licenses and Permits | $500 to $2,000 |
| Legal and Accounting | $500 to $3,000 |
| Additional Funds for Initial Period – 3 Months | $15,000 to $52,500 |
| Total Estimated Initial Investment | $59,916.25 to $137,887.50 |
We Insure Franchise Disclosure Document
Frequently Asked Questions
What funding options are available for a We Insure franchise?
Most franchise buyers in We Insure’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 We Insure 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 We Insure?
We Insure is owned by PEAK6 InsurTech, a subsidiary of PEAK6, which acquired the company in 2021.
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 We Insure franchise data: For the full FDD cost breakdown, investment tables, and Item 19 disclosures, visit FranchisePayback.com → We Insure FDD Review.
