We Insure franchise
An insurance agency offering property, casualty and general lines policies. At the end of 2025 there were 132 We Insure locations in the US, 130 franchised and 2 company-owned.
- Cost to open
- $60K–$138K
- Franchise fee
- $40K–$50K
- Royalty
- 25%–45% of sales commissions
- Locations, 2025
- 132−94 in 3 yrs
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Company snapshot
- SBA loans
- On the SBA Franchise Directory
From WE INSURE, LLC’s 2026 filing; SBA status from the SBA Franchise Directory, October 28, 2026.
How much a We Insure franchise costs
Opening one We Insure costs an estimated $59,916 to $137,888. That covers the franchise fee and everything else needed to open, through the first months of working capital.
Source: WE INSURE, LLC, 2026 filing, page 1
We Insure franchise fee
The franchise fee is $40,000 to $50,000, $40,000 paid in a lump sum, or $50,000 if financed.. You pay it when you sign the franchise agreement.
Source: WE INSURE, LLC, 2026 filing, page 13
Royalty and ongoing fees
| Royalty | The franchisor retains 25% of new-business sales commissions and 45% of renewal commissions, subject to monthly minimum retained commissions. |
|---|
The typical franchise royalty is 6% of sales, plus 2% for marketing. See franchise fees and royalties to compare.
Source: WE INSURE, LLC, 2026 filing, page 15
Sales and earnings
Shares figures We Insure publishes sales or earnings figures for its locations. The full tables, with notes on which locations are counted, are in its filing.
Source: WE INSURE, LLC, 2026 filing, page 68
Locations opened and closed
| Year | Franchised | Company-owned | Closed |
|---|---|---|---|
| 2023 | 195 (−29) | 1 | 37 |
| 2024 | 156 (−39) | 1 | 40 |
| 2025 | 130 (−26) | 2 | 27 |
Closed or left counts terminations, non-renewals, locations bought back by the franchisor and locations that stopped operating.
See which brands grew most in the fastest-growing franchises rankings.
We Insure passes four of the five tests on our list of the best franchises to own; it had no more US locations than three years earlier.
Source: WE INSURE, LLC, 2026 filing, page 71
