Brightway Insurance is a franchise model for property and casualty insurance agencies operating under a unique 'you sell, we service' structure. The franchise has 338 locations with a concerning 14.2% annual closure rate. The model requires franchisees to pay 20% of new business commissions and 50% of renewal commissions to the franchisor, rather than traditional royalty fees. Financial performance data shows significant variation based on producer count, with fully-staffed agencies (3+ producers) averaging $906K in gross commissions versus $94K for single-producer agencies. The franchise provides extensive back-office support through their Engagement Center but offers no territorial protection. Investment costs range from $23K to $137K, making it relatively accessible compared to traditional franchises. Key concerns include high unit turnover, no territorial exclusivity, and the commission-based fee structure that may impact profitability.
Generated from 2025 Franchise Disclosure Document
AI-generated from FDD analysis — use as a checklist with your attorney
Total startup costs, working capital, and financial requirements
Training, marketing support, technology, and operational assistance
Royalty, marketing, technology, and other ongoing fees
Revenue data, P&L estimates, and financial projections
Lawsuits, disputes, and legal risk assessment
Territory rights, term length, non-compete, and transfer rules
82 legal provisions scored on a franchisee-friendliness scale
Unit growth trends, exit rates, and system trajectory
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