Franopolis
    WI

    We Insure LLC

    Franchise research report · reviewed 2026 disclosure data

    Researching We Insure LLC franchise opportunities? Every figure below is cited to the FDD.

    Reviewed sources

    We Insure, LLC franchise specializes in providing comprehensive insurance services and solutions to individuals and businesses across multiple coverage areas.

    Headline figures

    Quick facts

    How much does it cost to open a We Insure LLC franchise?
    The We Insure LLC Franchise Disclosure Document reports an estimated initial investment of $500–$7,888 (2026 FDD, Item 7, PDF p. 31). This is the franchisor's disclosed estimate, not a quote. Details
    Does We Insure LLC disclose financial performance (Item 19)?
    Yes. The We Insure LLC FDD includes an Item 19 financial performance representation (2026 FDD, Item 19, PDF p. 69). Figures apply only to the locations and period each one covers. Details
    How many We Insure LLC locations are there?
    The FDD reports 132 outlets at the end of 2025 (2026 FDD, Item 20, PDF p. 71). Existing locations do not indicate territory availability. Details

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

    What the disclosures show

    1. 1Opening costs are estimated at $500 – $7,888 in the 2026 FDD (Item 7); several initial fee options apply.
    2. 2Item 19 covers 4 separate groups: other measures for 129 Franchised locations; other measures for 129 Franchised locations; other measures for 68 Franchised locations; other measures for 68 Franchised locations. They are not combined.
    3. 3Outlets declined by 25 in 2025, to 132 (United States, as labeled in the FDD, Item 20).

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

    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

    2026 FDD · Item 7 · PDF p. 31

    Ongoing Fees — Item 6

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

    71 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?

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

    Locations counted: not stated in the reviewed record

    Other measures · 129 locations

    Who is counted
    164 Included Producers from the 312 Producers employed by the 129 eligible Producer Agencies
    Period
    New policies sold per producer
    Excluded
    148 Producers who sold fewer than 50 policies during 2025 were excluded; the table reflects new business only, not renewal business.
    Method
    Agency management system, carrier statements and ordinary-course commission/policy records; unaudited. Operating expenses excluded. Annualized premiums source doubles six-month premium; no computation performed.

    Locations counted: not stated in the reviewed record

    Other measures · 129 locations

    Who is counted
    164 Included Producers employed by 129 eligible Producer Agencies
    Period
    Annualized new premium per producer
    Excluded
    148 Producers who sold fewer than 50 new policies during 2025 were excluded; Table 1 reflects new business only and excludes renewal business.
    Method
    Agency management system, carrier statements and ordinary-course commission/policy records; unaudited. Operating expenses excluded. Annualized premiums source doubles six-month premium; no computation performed.

    Locations counted: not stated in the reviewed record

    Other measures · 68 locations

    Who is counted
    Established Agencies open and operating for more than five full years, from the 130 franchised We Insure Agencies
    Period
    90th Percentile gross commission revenue
    Excluded
    Agencies that had not been open and operating for more than five full years were not in the Established Agencies population.
    Method
    Agency management system, carrier statements and ordinary-course commission/policy records; unaudited. Operating expenses excluded. Carrier commission new and renewed net cancellations/policy changes, before franchisor retention and other expenses.

    Locations counted: not stated in the reviewed record

    Other measures · 68 locations

    Who is counted
    68 of 130 operating agencies open more than five full years
    Period
    10th Percentile gross commission revenue
    Excluded
    Newer agencies excluded.
    Method
    Agency management system, carrier statements and ordinary-course commission/policy records; unaudited. Operating expenses excluded. Carrier commission new and renewed net cancellations/policy changes, before franchisor retention and other expenses.

    These groups are never combined.

    Outlet Changes — Item 20

    How has the outlet count changed?

    United States, as labeled in the FDD · counts as of 2025 of each year.

    2026 FDD · Item 20 · PDF p. 71

    Net −63 outlets, 2023–2025

    01952023020241322025−195+132

    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 2025 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 2026 Item 7 estimate ($500 – $7,888) 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 decreased from 157 to 132 in 2025. What drove the change?

    • 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 (2026 FDD)

    1. [1]Estimated initial investment — Item 7 · PDF p. 31
    2. [2]Item 19 — Locations counted not stated in the reviewed record — 164 Included Producers from the 312 Producers employed by the 129 eligible Prod… · PDF p. 69
    3. [3]Item 19 — Locations counted not stated in the reviewed record — 164 Included Producers employed by 129 eligible Producer Agencies · PDF p. 69
    4. [4]Item 19 — Locations counted not stated in the reviewed record — Established Agencies open and operating for more than five full years, from the… · PDF p. 70
    5. [5]Item 19 — Locations counted not stated in the reviewed record — 68 of 130 operating agencies open more than five full years · PDF p. 70
    6. [6]Outlet counts — Item 20, Table 1 · PDF p. 71

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

    Territory & operations

    163 addresses in Franopolis's imported location list. Coverage may differ from Item 20 outlet counts.

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

    Legal & agreement

    Franchisor financial statements

    Fiscal yearMeasureReported value
    20252025 total revenues$51,589,362
    20252025 net loss-$3,855,155
    20252025 total current assets$10,520,965
    20252025 total assets$60,741,990
    20252025 total current liabilities$10,426,170
    20252025 total liabilities$11,315,045
    2024accounts receivable, netMore than one value recorded for this year — open the FDD source before comparing$5,485,084
    2024prepaid expensesMore than one value recorded for this year — open the FDD source before comparing$286,473
    2024deferred sales commissions, current portion$238,036
    2024total current assets$8,464,995
    2024property and equipment, net$94,906
    2024goodwill$37,012,006
    2024other assets$558,921
    2024related party payableMore than one value recorded for this year — open the FDD source before comparing$9,885
    2024commissions payableMore than one value recorded for this year — open the FDD source before comparing$3,616,332
    2024accrued compensationMore than one value recorded for this year — open the FDD source before comparing$228,264
    2024accrued liabilitiesMore than one value recorded for this year — open the FDD source before comparing$1,210,337
    2024total current liabilities$6,906,481
    2024total liabilities$7,200,490
    2024member's equity additional paid-in capital$72,085,623
    2024total member's equity$53,952,362
    2024total liabilities and member's equity$61,152,852
    2024revenues franchise commissions$39,074,723
    2024contingent commissons$2,338,001
    2024franchise fees$2,097,858
    2024franchise sales$1,468,922
    2024marketing fund fees$696,870
    2024total revenues$48,331,986
    2024net revenue$20,892,979
    2024operating expenses allocated services$2,316,195
    2024compensation and benefits$11,808,910
    2024technology and telecommunication$2,147,696
    2024external consulting and professional fees$544,889
    2024other expenses$1,737,600
    2024depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing$2,622,844
    2024total operating expenses$21,258,950
    2024loss from operations-$365,971
    2024net lossMore than one value recorded for this year — open the FDD source before comparing-$203,167
    2024net lossMore than one value recorded for this year — open the FDD source before comparing-$203,167
    2024prepaid expensesMore than one value recorded for this year — open the FDD source before comparing$49,663
    2024other current assetsMore than one value recorded for this year — open the FDD source before comparing-$49,542
    2024accounts payable$1,011,955
    2024related party payableMore than one value recorded for this year — open the FDD source before comparing$9,885
    2024commissions payableMore than one value recorded for this year — open the FDD source before comparing-$144,808
    2024accrued liabilitiesMore than one value recorded for this year — open the FDD source before comparing-$42,819
    2024net cash provided by operating activities$427,234
    2024issuance of franchise fee notes-$25,000
    2024receipts related to repayment on franchise fee notes$65,151
    2024net increase in cash$467,385
    2024cash - beginning of year$1,877,140
    2024cash - end of year$2,344,525
    2024occupancy and equipment$80,816
    2024other revenues & expenses interest income$162,804
    2024accounts receivable, netMore than one value recorded for this year — open the FDD source before comparing-$2,001,570
    2024deferred sales commissions$691,381
    2024deferred franchise fees-$1,769,068
    2024other liabilitiesMore than one value recorded for this year — open the FDD source before comparing$327,238
    2024cost of sales franchise commissions$27,439,007
    2024accrued compensationMore than one value recorded for this year — open the FDD source before comparing-$90,917
    2024net cash provided by/(used in) investing activities$40,151
    2024current liabilities accounts payable$1,073,530
    2024deferred franchise fees - current portion$440,895
    2024current assets cash$2,344,525
    2024retained deficit-$18,133,261
    2024provision for expected credit losses$16,159
    2024other current assetsMore than one value recorded for this year — open the FDD source before comparing$66,339
    2024other liabilitiesMore than one value recorded for this year — open the FDD source before comparing$327,238
    2024total assets$61,152,852
    2024intangible assets, net$15,022,024
    2024other revenues$51,313
    2024depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing$2,622,844
    2024long-term liabilities deferred franchise fees - net of current portion$294,009
    2024brokerage commsisions$2,604,299
    2024franchise fees notes receivable, current portion$44,538
    2023current assets cash$1,877,140
    2023accounts receivable, netMore than one value recorded for this year — open the FDD source before comparing$3,499,672
    2023prepaid expensesMore than one value recorded for this year — open the FDD source before comparing$336,136
    2023deferred sales commissions, current portion$498,395
    2023other current assetsMore than one value recorded for this year — open the FDD source before comparing$16,801
    2023total current assets$6,317,819
    2023property and equipment, net$381,996
    2023intangible assets, net$17,357,779
    2023goodwill$37,012,006
    2023total assets$62,054,556
    2023current liabilities accounts payable$198,884
    2023commissions payableMore than one value recorded for this year — open the FDD source before comparing$3,761,140
    2023deferred franchise fees - current portion$1,346,184
    2023accrued compensationMore than one value recorded for this year — open the FDD source before comparing$319,181
    2023accrued liabilitiesMore than one value recorded for this year — open the FDD source before comparing$1,115,849
    2023long-term liabilities deferred franchise fees - net of current portion$1,157,789
    2023total liabilities$7,899,027
    2023member's equity additional paid-in capital$72,085,623
    2023retained deficit-$17,930,094
    2023total member's equity$54,155,529
    2023brokerage commsisions$1,937,525
    2023contingent commissons$324,581
    2023franchise sales$881,233
    2023marketing fund fees$726,347
    2023other revenues$31,464
    2023total revenues$41,761,518
    2023net revenue$16,630,550
    2023operating expenses allocated services$4,073,457
    2023technology and telecommunication$2,195,222
    2023external consulting and professional fees$1,459,816
    2023occupancy and equipment$406,303
    2023total operating expenses$25,571,628
    2023loss from operations-$8,941,077
    2023other revenues & expenses interest income-$234,674
    2023net lossMore than one value recorded for this year — open the FDD source before comparing-$9,175,751
    2023net lossMore than one value recorded for this year — open the FDD source before comparing-$9,175,751
    2023depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing$5,450,677
    2023provision for expected credit losses$223,920
    2023noncash net change in right of use asset and lease liability-$84,737
    2023accounts receivable, netMore than one value recorded for this year — open the FDD source before comparing-$860,062
    2023prepaid expensesMore than one value recorded for this year — open the FDD source before comparing-$45,046
    2023other current assetsMore than one value recorded for this year — open the FDD source before comparing$5,936
    2023deferred sales commissions$376,727
    2023accounts payable$13,004
    2023deferred franchise fees-$457,363
    2023commissions payableMore than one value recorded for this year — open the FDD source before comparing$2,051,994
    2023accrued liabilitiesMore than one value recorded for this year — open the FDD source before comparing-$1,262,553
    2023accrued compensationMore than one value recorded for this year — open the FDD source before comparing-$78,327
    2023net cash provided by operating activities$2,115,816
    2023receipts related to repayment on franchise fee notes$68,050
    2023repayment on line of credit-$1,002,785
    2023net cash-$1,002,785
    2023net increase in cash$681,801
    2023cash - beginning of year$1,195,339
    2023cash - end of year$1,877,140
    2023capital contribution through settlement of related party payable$14,585,623
    2023other expenses$1,506,397
    2023issuance of franchise fee notes-$499,280
    2023net cash provided by/(used in) investing activities-$431,230
    2023cost of sales franchise commissions$25,130,968
    2023other assets$984,956
    2023compensation and benefits$10,479,756
    2023total liabilities and member's equity$62,054,556
    2023depreciation and amortizationMore than one value recorded for this year — open the FDD source before comparing$5,450,677
    2023franchise fees notes receivable, current portion$89,675
    2023total current liabilities$6,741,238
    2023revenues franchise commissions$35,936,619
    2023franchise fees$1,923,749
    2023related party payable$5,957,397

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

    SBA-backed loans to franchisees

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    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 and overlapping investment range. This is not a ranking or recommendation.

    GlobalGreen Insurance AgencyGIGoosehead InsuranceRenegade InsuranceSLSelectquote Local Insurance ServicesThe Doan GroupMotto Mortgage

    Head-to-head comparisons

    We Insure LLC vs GlobalGreen Insurance AgencyWe Insure LLC vs Goosehead InsuranceWe Insure LLC vs Renegade 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. 14 · 2026 FDD

      Our summary: Initial fees and commission terms — $5000075

      “Commission Commission $50,000 75% 25% 55% 45% The Initial Franchise Fee includes training for up to 2 people. For each additional person that attends Initial T raining, the cost is $75 per person . If travel is necessary for any part of your I nitial T raining, you will be responsible for all travel and wage - related expenses. Agency Management System Activation Fee . Prior to opening your Agency, and prior to us setting you up on our Agency Management System, you must pay us an Agency Management System Activation Fee for each user in your Agency. This fee is $ 671.25 per person, and we anticipate that you will want to “activate” one to two users, so this fee will range between $ 671.25 and $ 1, 342.50 . Carrier”

      Note: The extracted amount combines the $50,000 initial fee and a 75% commission into one value, so it cannot be confirmed as a single claim without combining figures.

    • Item 6 · PDF p. 26 · 2026 FDD

      Our summary: Commission retention / ongoing fees — 75%

      “ve expenses, charges for costs we incur on your behalf and the costs that Franchisor incurs. We reserve the right to increase the Monthl y Technology Fee during the term of the franchise agreement in 75% 25% 55% 45%”

      Note: The cited page excerpt shows 75% among commission split figures but does not identify the applicable population or whether this is a franchisee share. The page's Item 6 description distinguishes new and renewal commission rates, so this claim cannot be confirmed from the cited context.

    • Item 20 · PDF p. 71 · 2026 FDD

      Our summary: Table 1 Franchised 2024 — Start

      “Franchised 2023 224 195 - 29 2024 195 156 - 39 202 5 156 130 - 26 Company Owned 2023 1 1 0 2024 1 1 0 202 5 1 2 + 1 Total Outlets 2023 225 196 - 29 2024 196 157 - 39 202 5 157 132 - 25 ”

      Note: This Item 20 claim is state-specific or is a systemwide subgroup row rather than the required Total row.

    • Item 20 · PDF p. 71 · 2026 FDD

      Our summary: Table 1 Franchised 2023 — Net change

      “Franchised 2023 224 195 - 29 2024 195 156 - 39 202 5 156 130 - 26 Company Owned 2023 1 1 0 2024 1 1 0 202 5 1 2 + 1 Total Outlets 2023 225 196 - 29 2024 196 157 - 39 202 5 157 132 - 25 ”

      Note: This Item 20 claim is state-specific or is a systemwide subgroup row rather than the required Total row.

    • Item 20 · PDF p. 71 · 2026 FDD

      Our summary: Table 1 Franchised 2023 — End

      “Franchised 2023 224 195 - 29 2024 195 156 - 39 202 5 156 130 - 26 Company Owned 2023 1 1 0 2024 1 1 0 202 5 1 2 + 1 Total Outlets 2023 225 196 - 29 2024 196 157 - 39 202 5 157 132 - 25 ”

      Note: This Item 20 claim is state-specific or is a systemwide subgroup row rather than the required Total row.

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