Established
2009
Franchise Units
200
Minimum Investment
$44,445
Franchise Fee
$25,000
Total Investment Range
$136,945
Home Based
No
Description
In the complex world of insurance, "choice" is the ultimate currency. We Insure has redefined the independent agency model by bridging the gap between the vast options of an independent broker and the powerhouse back-end support typically reserved for captive "big-box" carriers. Since its inception, We Insure has emerged as a disruptive force in the American insurance landscape, offering a turnkey "agency-in-a-box" solution that empowers entrepreneurs to compete with industry giants from day one.
The brand's reputation is built on a simple, persuasive premise: You handle the relationships; we handle the paperwork. By centralizing administrative tasks, IT infrastructure, and carrier relations at the corporate level, We Insure allows its franchise owners to focus entirely on sales and community engagement. This market positioning—as a high-tech, high-touch hybrid—has made We Insure one of the fastest-growing insurance franchises in the United States, consistently recognized for its resilience in fluctuating economic climates.
Why Invest in this Franchise?
Investing in a We Insure franchise is a strategic move for those looking to build a recurring revenue stream in a recession-resistant industry. Unlike traditional agencies that struggle to gain access to top-tier carriers, We Insure provides immediate access to over 150+ highly-rated insurance carriers, giving you the ability to say "yes" to almost any client's needs.
Residual Income: Insurance is a compounding business. You earn on new policies and continue to earn on every renewal, building a long-term asset.
Operational Freedom: The "Service Center" model means the corporate office handles the heavy lifting of underwriting, policy servicing, and renewals.
Scalability: Whether you want to be a solo operator or build a multi-location empire, the systems are designed to grow with your ambition.
Industry Resilience: Insurance is often a legal or financial requirement for homes, cars, and businesses, ensuring steady demand regardless of market shifts.
Background
Established Year: 2009
Franchising Since: 2010 (Major restructuring and expansion accelerated after 2017)
Founder: Philip (Phil) Bohn (originally founded as a solution for captive agents seeking more choice).
Ownership: Owned by PEAK6 InsurTech, a financial technology powerhouse that provides the brand with massive capital and technical resources.
Current Active Units: Approximately 200+ units across 35+ states.
Brand Journey: What started as a Florida-based company has expanded into a national leader. Its history is marked by a shift from a regional provider to a tech-forward national franchisor, earning spots on the Inc. 5000 and Entrepreneur’s Franchise 500 lists.
Industry Category: Financial Services / Property & Casualty Insurance.
Support Training
We Insure offers one of the most comprehensive onboarding programs in the financial services sector, designed to turn business-minded individuals into insurance experts.
Pre-Launch Support: Assistance with state licensing, office site selection (including "store-within-a-store" models for real estate or mortgage offices), and initial agency setup.
WE University: A rigorous training program covering proprietary software, sales psychology, and carrier-specific quoting.
Agency Development Team: For the first 60 days, owners have a dedicated support group that connects daily to assist with live quotes, binding policies, and navigating the system.
The "Service Center": This is the crown jewel of their support. A centralized corporate team manages the "back-office" (customer service calls, policy changes, and renewals), allowing you to stay focused on growth.
Marketing & SEO: Franchisees get access to a national brand fund, localized marketing templates, social media assets, and a digital presence to drive local leads.
Ideal Candidate
You don’t need to be an insurance veteran to thrive here, but you do need a "growth" mindset. We Insure is best suited for:
The Transitioning Professional: Corporate executives, sales leaders, or finance professionals looking to own their time and equity.
Existing Agency Owners: "Captive" agents who feel restricted and want to offer more choice to their clients.
Synergistic Business Owners: Real estate brokers, mortgage lenders, and auto dealership owners who want to add a high-margin revenue stream to their existing customer base.
The Community Networker: Individuals with deep roots in their local area who enjoy helping people protect their most valuable assets.
Financial Requirements: Candidates should have a minimum of $30,000 to $75,000 in liquid capital and a net worth that supports a stable business launch.
Financial Detail
| Category | Estimated Cost / Detail |
| Total Investment Required | $44,445 – $136,945 |
| Minimum Liquid Capital | $30,000 – $75,000 |
| Initial Franchise Fee | $25,000 – $50,000 (Veteran discounts often available) |
| Royalty Fee | Variable (based on a percentage of commission) |
| Marketing/Ad Fee | ~3% of monthly sales |
| Working Capital (3 Months) | $15,000 – $52,500 |
| Infrastructure Cost | Low (flexible office footprints) |
| Revenue Streams | Commissions on Home, Auto, Life, Health, and Commercial lines + Renewals |
