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    Franchise opportunities compared

    Agency Owner vs We Insure LLC

    Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.

    AOAgency Owner2025 FDDWe Insure LLC2026 FDD

    Initial investment · Item 7

    Agency Owner

    $23,325

    2025 FDD · Item 7 · PDF p. 17

    We Insure LLC

    $59,916

    2026 FDD · Item 7 · PDF p. 31

    Initial franchise fee · Item 5

    Agency Owner

    $35,000

    2025 FDD · Item 5 · PDF p. 10

    We Insure LLC

    Not available

    Royalty · Item 6

    Agency Owner

    Not available

    We Insure LLC

    Not available

    Before you compare

    • Agency Owner figures come from its 2025 FDD and We Insure LLC figures from its 2026 FDD, so the years differ.
    • Item 19 figures cover the location groups each FDD names (Agency Owner: 30, We Insure LLC: 4). Different groups are not directly comparable.

    Financial commitment

    Estimated initial investment (Item 7)

    Agency Owner

    $23,325
    Total Estimated Initial Investment: 23325 to 136900
    2025 FDD · Item 7 · PDF p. 17

    We Insure LLC

    $59,916
    We Insure Agency — TOTAL ESTIMATED INITIAL INVESTMENT ( Notes 1 & 14 ) $ 59 , 916.25 to $ 13 7,887.50
    2026 FDD · Item 7 · PDF p. 31
    Standard initial franchise fee (Item 5)

    Agency Owner

    $35,000
    2025 FDD · Item 5 · PDF p. 10

    We Insure LLC

    Not available
    No single standard fee identified
    Royalty (Item 6)

    Agency Owner

    Not available
    No reviewed royalty record

    We Insure LLC

    Not available
    No reviewed royalty record
    Brand / advertising fund (Item 6)

    Agency Owner

    3%
    Advertising cooperative contribution cap — 3%
    2025 FDD · Item 6 · PDF p. 16

    We Insure LLC

    Not available
    No reviewed brand or advertising fund fee

    System scale & health

    Total outlets (Item 20)

    Agency Owner

    341
    Outlets at end of 2024
    2025 FDD · Item 20 · PDF p. 52

    We Insure LLC

    132
    Outlets at end of 2025
    2026 FDD · Item 20 · PDF p. 71
    Net outlet change (Item 20)

    Agency Owner

    +54
    Calculated: 287 at end of 2022 → 341 at end of 2024

    We Insure LLC

    −63
    Calculated: 195 at end of 2023 → 132 at end of 2025
    Outlet exits (Item 20)

    Agency Owner

    Not available
    No complete exit records for a year

    We Insure LLC

    Not available
    No complete exit records for a year
    Franchising since (Item 1)

    Agency Owner

    Not available
    Not in reviewed records

    We Insure LLC

    Not available
    Not in reviewed records
    Franchisor founded (Item 1)

    Agency Owner

    Not available
    Not in reviewed records

    We Insure LLC

    Not available
    Not in reviewed records

    Financial performance (Item 19), by location group

    AOAgency Owner
    Locations counted not stated in the reviewed record — Included Brightway Locations with 1 Producer in 2024
    $1,221,537
    other High gross commission revenue
    2025 FDD · Item 19 · PDF p. 48
    Locations counted not stated in the reviewed record — Included Brightway Locations with 2 Producers in 2024
    $244,388
    other Revenue gross commission revenue
    2025 FDD · Item 19 · PDF p. 48
    Locations counted not stated in the reviewed record — Included Brightway Locations with Fully-staffed (3+ Producers) in 2024
    $906,320
    other Revenue gross commission revenue
    2025 FDD · Item 19 · PDF p. 48
    +27 more groups in the full report
    We Insure LLC
    Locations counted not stated in the reviewed record — 164 Included Producers from the 312 Producers employed by the 129 eligible Prod…
    379 policies
    other Table 1 90th Percentile
    2026 FDD · Item 19 · PDF p. 69
    Locations counted not stated in the reviewed record — 164 Included Producers employed by 129 eligible Producer Agencies
    $716,433
    other Table 1 75th Percentile
    2026 FDD · Item 19 · PDF p. 69
    Locations counted not stated in the reviewed record — Established Agencies open and operating for more than five full years, from the…
    $790,345
    other Table 2 Established agencies
    2026 FDD · Item 19 · PDF p. 70
    +1 more groups in the full report

    Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.

    Agency Owner vs We Insure LLC: common questions

    Which costs less to open, Agency Owner or We Insure LLC?
    Agency Owner: $23,325 (2025 FDD · Item 7 · PDF p. 17); We Insure LLC: $59,916 (2026 FDD · Item 7 · PDF p. 31). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Agency Owner. Estimates are not quotes, and the FDD years may differ.
    Which has more locations, Agency Owner or We Insure LLC?
    Agency Owner: 341 (2025 FDD · Item 20 · PDF p. 52); We Insure LLC: 132 (2026 FDD · Item 20 · PDF p. 71). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
    Do Agency Owner and We Insure LLC disclose financial performance (Item 19)?
    Agency Owner has reviewed Item 19 figures for 30 location groups; We Insure LLC has reviewed Item 19 figures for 4 location groups. Different location groups are not directly comparable, and revenue is not profit.

    Answers restate the reviewed figures above. Not a ranking or recommendation.

    How Franopolis reviews FDD figures

    Keep researching

    AO

    Full Agency Owner report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

    Full We Insure LLC report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

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    Plain-language meaning of each Item