Franopolis
    AO

    Agency Owner

    Franchise research report · reviewed 2025 disclosure data

    Reviewed sources

    Brightway Agency Owners operate franchised Brightway Locations as independent insurance agencies that sell, service, and deliver property and casualty policies and may offer other insurance services, including life insurance. The business operates from a franchisor-approved professional or retail office location, and an enterprise model allows owners to operate multiple locations.

    Save Territory check Compare

    Headline figures

    Agency Owner quick facts

    Is Agency Owner a franchise?
    Yes. Agency Owner offers franchises through a Franchise Disclosure Document. At the end of 2024, it reported 338 franchised and 3 company-owned outlets (2025 FDD, Item 20, PDF p. 52).
    How much does it cost to open an Agency Owner franchise?
    The Agency Owner Franchise Disclosure Document reports an estimated initial investment of $23,325 (2025 FDD, Item 7, PDF p. 17). This is the franchisor's disclosed estimate, not a quote. Details
    What is the Agency Owner initial franchise fee?
    The disclosed initial franchise fee for a standard single unit is $35,000 (2025 FDD, Item 5, PDF p. 10). Other fee options (for example multi-unit or conversion) are listed separately in the report. Details
    Does Agency Owner disclose financial performance (Item 19)?
    Yes. The Agency Owner FDD includes an Item 19 financial performance representation (2025 FDD, Item 19, PDF p. 48). Figures apply only to the locations and period each one covers. Details
    How many Agency Owner locations are there?
    The FDD reports 341 outlets at the end of 2024 (2025 FDD, Item 20, PDF p. 52). Existing locations do not indicate territory availability. Details
    Is Agency Owner a good franchise to buy?
    Franopolis does not rate or recommend franchises. From the reviewed FDD: Item 19 includes financial performance figures; check which locations and period they cover; Item 20 lists outlet openings, closures and transfers; Item 6 includes a brand or advertising fund contribution on top of royalty; Item 20 also lists current and former franchisees you can contact. Review the full FDD with a franchise attorney and accountant before deciding.

    From reviewed FDD figures only. Not a recommendation or projection.

    What the disclosures show

    1. 1Opening costs are estimated at $23,325 in the 2025 FDD (Item 7); several initial fee options apply.
    2. 2Item 19 covers 30 separate groups: revenue for 119 locations; revenue for 41 locations; revenue for 110 locations; other measures for 481 locations; other measures for 1 locations; other measures for 254 locations; other measures for 1 locations; other measures for 15 locations; other measures for 19 locations; other measures for 32 locations; other measures for 3 locations; other measures for 254 locations; other measures for 8 locations; other measures for 4 locations; other measures for 19 locations; other measures for 16 locations; other measures for 1 locations; other measures for 1 locations; other measures for 120 locations; other measures for 481 locations; other measures for 120 locations; other measures for 4 locations; other measures for 13 locations; other measures for 3 locations; other measures for 1 locations; other measures for 33 locations; other measures for 76 locations; other measures for 79 locations; other measures for 106 locations; other measures for 106 locations. They are not combined.
    3. 3Outlets grew by 4 in 2024, to 341 (Systemwide, as labeled in the FDD, Item 20).

    From reviewed FDD figures only. Not a recommendation or projection.

    Franchises under $50kOther brands whose disclosed Item 7 low end fits this budget.Compare outlet trendsPut Item 20 counts side by side with up to 3 other brands.

    Agency Owner head-to-head

    Closest peers in the same subcategory, side by side from reviewed FDD figures. Not a ranking or recommendation.

    AOAgency OwnerVSKeystone Insurers Services Group
    Compare head-to-head
    AOAgency OwnerVSGlobalGreen Insurance Agency
    Compare head-to-head
    AOAgency OwnerVSWe Insure LLC
    Compare head-to-head
    AOAgency OwnerVSThe Doan Group
    Compare head-to-head

    Costs · Items 5–7

    What does it cost to open?

    Estimated opening costs and the fees payable to the franchisor.

    Startup Investment — Item 7

    Total estimated initial investment

    2025 FDD · Item 7 · PDF p. 17

    Standard single-unit franchise fee

    2025 FDD · Item 5 · PDF p. 10
    Discounted and multi-unit options are separate; see all fees.

    Ongoing Fees — Item 6

    Selected recurring charges; payment bases and conditions remain attached to each fee.

    16 reported fees, each with its payment basis, are listed below; they haven't been sorted into recurring, initial and occasional groups yet.

    Financial Performance — Item 19

    What results are disclosed—and for which locations?

    30 separate populations, shown apart. Revenue is not owner income.

    119 locations

    Revenue · 119 locations

    Who is counted
    Included Brightway Locations with 1 Producer in 2024
    Period
    1 Producer (2024)
    Excluded
    All Item 19 tables exclude one franchised agency authorized to sell certain insurance products outside Brightway’s normal lines.
    Method
    Historical figures stated in Item 19 tables; reported averages, median, high, and low are transcribed as labeled.

    These groups are never combined.

    Outlet Changes — Item 20

    How has the outlet count changed?

    Systemwide, as labeled in the FDD · counts as of Fiscal year ended December 31 of each year.

    2025 FDD · Item 20 · PDF p. 52

    Net +54 outlets, 2022–2024

    0287202233720233412024+50+4

    Year-end counts reported in Item 20. The scale starts at zero; the labels between the dots show each year's change. Openings and closures for 2024 haven't been pulled from the Item 20 tables yet, so no turnover or churn is shown.

    Questions to investigate

    Prompts based on what this brand's reviewed disclosures do and don't show — not conclusions. Join free as a member to save questions to your research.

    For the franchisor

    • Which line items in the 2025 Item 7 estimate ($23,325) vary most by market, and why?

    • Which initial fee option would apply to my situation, and what conditions or discounts affect it?

    • Which locations are included in the Item 19 figures, and which were excluded?

    • Reported units went from 337 to 341 in 2024. How many new units opened, closed or changed hands?

    • Is a territory available in my area, and how is it defined in my agreement?

    For current and former owners

    • How did your actual startup costs and timeline compare with the Item 7 estimate?

    • How many hours a week do you work in the business, and in what role?

    • How do your results compare with the Item 19 figures, and what explains the difference?

    • What support from the franchisor has been most and least useful?

    For your advisors

    • Ask a franchise attorney to review the territory, renewal, transfer and termination terms.

    • Ask an accountant to build a cash-flow plan using your own assumptions, not the franchisor's.

    Sources & vintage history

    Every displayed fact is retained with its disclosure vintage, item, page, and reviewed status. Prior vintages remain on file rather than being overwritten.

    Citations (2025 FDD)

    1. [1]Estimated initial investment — Item 7 · PDF p. 17
    2. [2]Standard initial franchise fee — Item 5 · PDF p. 10
    3. [3]Item 19 — Locations counted not stated in the reviewed record — Included Brightway Locations with 1 Producer in 2024 · PDF p. 48
    4. [4]Item 19 — Locations counted not stated in the reviewed record — Included Brightway Locations with 2 Producers in 2024 · PDF p. 48
    5. [5]Item 19 — Locations counted not stated in the reviewed record — Included Brightway Locations with Fully-staffed (3+ Producers) in 2024 · PDF p. 48
    6. [6]Item 19 — Locations counted not stated in the reviewed record — Full-time Producers at Brightway Locations open and operating in 2024; minimum… · PDF p. 49
    7. [7]Item 19 — Locations counted not stated in the reviewed record — Agency Owners over $50M annualized premium in 2024 · PDF p. 50
    8. [8]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners in the Over $50M Annualized Premium range · PDF p. 50
    9. [9]Item 19 — Locations counted not stated in the reviewed record — Locations over $50M annualized premium in 2024 · PDF p. 50
    10. [10]Item 19 — Locations counted not stated in the reviewed record — Agency Owners between $15M and $25M annualized premium in 2024 · PDF p. 50
    11. [11]Item 19 — Locations counted not stated in the reviewed record — Locations in the $10M–$15M annualized premium range · PDF p. 50
    12. [12]Item 19 — Locations counted not stated in the reviewed record — Agency Owners in the $5M–$10M annualized premium range · PDF p. 50
    13. [13]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners in the Between $1M & $5M Annualized Premium range · PDF p. 50
    14. [14]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners in the Under $1M Annualized Premium range · PDF p. 50
    15. [15]Item 19 — Locations counted not stated in the reviewed record — Agency Owners between $25M and $50M annualized premium in 2024 · PDF p. 50
    16. [16]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners between $15M and $25M annualized premium in 2024 · PDF p. 50
    17. [17]Item 19 — Locations counted not stated in the reviewed record — Locations between $15M and $25M annualized premium in 2024 · PDF p. 50
    18. [18]Item 19 — Locations counted not stated in the reviewed record — Agency Owners between $10M and $15M annualized premium in 2024 · PDF p. 50
    19. [19]Item 19 — Locations counted not stated in the reviewed record — High New Business Policies Sold per Producer in 2024 · PDF p. 49
    20. [20]Item 19 — Locations counted not stated in the reviewed record — Low New Business Policies Sold per Producer in 2024 · PDF p. 49
    21. [21]Item 19 — Locations counted not stated in the reviewed record — Top 25% Average New Business Annualized Premium per Producer · PDF p. 49
    22. [22]Item 19 — Locations counted not stated in the reviewed record — Average New Business Annualized Premium per Producer · PDF p. 49
    23. [23]Item 19 — Locations counted not stated in the reviewed record — Bottom 25% Average New Business Annualized Premium per Producer · PDF p. 49
    24. [24]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners between $25M and $50M annualized premium in 2024 · PDF p. 50
    25. [25]Item 19 — Locations counted not stated in the reviewed record — Locations between $25M and $50M annualized premium in 2024 · PDF p. 50
    26. [26]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners between $10M and $15M annualized premium in 2024 · PDF p. 50
    27. [27]Item 19 — Locations counted not stated in the reviewed record — Multi-Unit Location Owners in the $5M–$10M annualized premium range · PDF p. 50
    28. [28]Item 19 — Locations counted not stated in the reviewed record — Locations in the $5M–$10M annualized premium range · PDF p. 50
    29. [29]Item 19 — Locations counted not stated in the reviewed record — Agency Owners in the $1M–$5M annualized premium range · PDF p. 50
    30. [30]Item 19 — Locations counted not stated in the reviewed record — Locations in the Between $1M & $5M Annualized Premium range · PDF p. 50
    31. [31]Item 19 — Locations counted not stated in the reviewed record — Agency Owners in the Under $1M Annualized Premium range · PDF p. 50
    32. [32]Item 19 — Locations counted not stated in the reviewed record — Locations in the Under $1M Annualized Premium range · PDF p. 50
    33. [33]Outlet counts — Item 20, Table 1 · PDF p. 52

    "PDF p." is the page in the PDF file; "printed p." is the number printed on the FDD page.

    Territory & operations

    These are contract disclosures, not confirmation that any territory is currently available.

    Legal & agreement

    Franchisor financial statements

    Fiscal yearMeasureReported value
    2024operating loss-$15,501
    2024net cash used in investing activities-$4,348
    2024cash available for use$1,751
    2024total assets$298,416
    2024total liabilities$132,607
    2024total member’s equity$165,809
    2024total revenue$66,896
    2024net loss-$27,292
    2024net cash used in/provided by operating activities-$5,979
    2024cash flows from financing activities$6,855
    2024cash available for use and restricted cash, end of period$3,144
    2023total revenue$56,202

    These figures describe the franchisor company, not individual franchise locations.

    SBA-backed loans to franchisees

    Loading…

    Source: U.S. Small Business Administration 7(a) & 504 FOIA data. Loan volume is not a measure of franchisee success.

    Related research

    Brands in the same subcategory first, then the wider industry, ordered by shared business format, overlapping investment range, Item 20 outlet count and search interest. This is not a ranking or recommendation.

    Keystone Insurers Services GroupGlobalGreen Insurance AgencyWe Insure LLCThe Doan GroupRenegade InsuranceGoosehead Insurance

    Head-to-head comparisons

    Agency Owner vs Keystone Insurers Services GroupAgency Owner vs GlobalGreen Insurance AgencyAgency Owner vs We Insure LLCAgency Owner vs The Doan GroupAgency Owner vs Renegade InsuranceAgency Owner vs Goosehead Insurance
    Compare reviewed facts

    At a glance

    Business history

    Not reviewed

    Owner participation

    Not reviewed

    Territory language

    Litigation disclosure

    Not reviewed

    Bankruptcy disclosure

    Not reviewed

    Agreement term

    Not reviewed

    Reader notes on wording

    Our automated check found that these summaries may not match the FDD's exact wording. Read the FDD excerpt itself; it is the authoritative text. Core cost, fee, Item 19 and outlet figures are not affected.

    • Item 5 · PDF p. 11 · 2025 FDD

      Our summary: Veteran discount on non-financed portion of initial fee

      “If you are a veteran, any non - financed portion of the Initial Fee will be discounted by 10%”

      Note: The provided excerpt does not contain the cited quote, so the figure cannot be settled from this evidence.

    • Item 19 · PDF p. 50 · 2025 FDD

      Our summary: Table 3 Multi-Unit Location Owners — Under $1M annualized premium (2024)

      “0”

      Note: Full PDF49–51 confirms zero multi-unit owners in Under $1M row, but stored parent254 does not describe this subgroup. Zero-sample context repair was rejected by schema; leave unverified rather than retaining parent count.

    Independent analysis of franchisor-provided data. Not investment advice. Franopolis does not distribute FDDs.

    Compare Agency Owner with…

    AOVS