Brightway Insurance franchise
Brightway Insurance franchisees run independent insurance agencies that sell home, auto and other property and casualty policies from many carriers, backed by a central support center. At the end of 2025 there were 354 Brightway Insurance locations in the US, 351 franchised and 3 company-owned. Insurance carriers pay commissions to Brightway, which passes most of them on to its agency owners.
- Cost to open
- $43K–$187K
- Franchise fee
- $25K–$35K
- Royalty
- 20% / 50%
- Locations, 2025
- 354+66 in 3 yrs
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Company snapshot
- Franchising since
- 2008
- Franchisor based in
- Jacksonville, Florida
- Agreement length
- 5 years
- Financing
- Some financing offered
From Brightway Insurance, LLC’s 2026 filing.
How much a Brightway Insurance franchise costs
Opening a single Brightway agency costs an estimated $43,425 to $186,900. That covers the franchise fee and everything else needed to open, through the first months of working capital.
Source: Brightway Insurance, LLC, 2026 filing, page 22
Brightway Insurance franchise fee
The franchise fee is $25,000 to $35,000, $25,000 paid up front or $35,000 financed. You pay it when you sign the franchise agreement.
Source: Brightway Insurance, LLC, 2026 filing, page 14
Royalty and ongoing fees
| Royalty | Brightway keeps 20% of commissions on new business and 50% on renewals; the agency owner keeps the rest. |
|---|
Source: Brightway Insurance, LLC, 2026 filing, page 15
Sales and earnings
Shares figures Brightway Insurance publishes sales or earnings figures for its locations: it reports revenue and production for subsets of the 351 franchised agencies. The full tables, with notes on which locations are counted, are in its filing.
Source: Brightway Insurance, LLC, 2026 filing, page 55
Locations opened and closed
| Year | Franchised | Company-owned | Closed |
|---|---|---|---|
| 2023 | 333 (+48) | 2 | 58 |
| 2024 | 337 (+4) | 3 | 64 |
| 2025 | 351 (+14) | 3 | 67 |
Closed or left counts terminations, non-renewals, locations bought back by the franchisor and locations that stopped operating.
Source: Brightway Insurance, LLC, 2026 filing, page 61
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Brightway Insurance franchise questions
Does Brightway Insurance help with financing?
Yes, in some cases. Brightway Insurance may finance part of the cost, such as the franchise fee, for qualified buyers; terms are in its filing.
How long is a Brightway Insurance franchise agreement?
The initial term is 5 years. Renewal is usually possible if you're in good standing, often for a fee and a remodel.
Is Brightway Insurance growing or shrinking?
Over the last 3 years 255 franchised locations opened and 189 closed or left, a net change of +23.2%.
Does Brightway Insurance say how much franchisees make?
Yes: it reports revenue and production for subsets of the 351 franchised agencies. Your results can differ; the filing explains which locations are counted.
Where is Brightway Insurance based?
Brightway Insurance, LLC is based in Jacksonville, Florida and the brand has sold franchises since 2008.