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Franchise overview by FranRelay

Brightway Insurance

Brightway Insurance agencies sell property and casualty insurance through approved carriers. Franchisees operate a local office, while Brightway's Engagement Center provides after-sale customer support.

Speak with a FranRelay consultant about Brightway Insurance, your questions, and next steps.

Investment and fees

What it costs to open and operate

Ask about investment and fees

Upfront investment

Total initial investment

$43,425 – $186,900

USD estimate includes the stated $25,000 to $35,000 fee alternatives and six months of operating funds. Owner salary, withheld commissions and financing cash needs are excluded. Additional reserves are required; startup may last longer than six months.

Initial franchise fee

$25,000 – $35,000

Normally counted within the total above, not added on top — confirm in the source.

USD fee: $25,000 paid at signing, or $35,000 through installments: $10,000 at signing and $25,000 over 60 monthly payments of $416.67, starting with the first commission run in month 13 after opening. Financing requires qualification.

Selected fees

  • RoyaltyBrightway retains a share of carrier commissions; settlements are monthly.

    Carrier commissions go to Brightway, which pays the agency a portion monthly rather than collecting a conventional gross-sales royalty. New policies and renewals have different commission-sharing terms. Shared expenses are deducted separately.

  • Advertising contributionNational fund, if established: up to 3% of Brightway Sales Commissions monthly.

    The disclosed terms impose no national fund contribution. Brightway may establish a fund and set a required monthly contribution within this cap. This would be separate from local advertising spending.

  • Local marketingLocal spending, if imposed: up to 3% of Brightway Sales Commissions monthly.

    The disclosed terms impose no local spending requirement. Brightway may introduce one and prescribe how it is spent. Participation in an assigned advertising cooperative would be mandatory. Cooperative contributions count toward local spending and are capped at 3% unless a majority votes to increase the requirement. Opening advertising is recommended, not required.

These are selected fees, not the complete fee schedule. Review the full FDD for all fees and conditions.

Figures are as disclosed for the period shown; unknown or undisclosed items are labelled, never shown as $0. No earnings, profit or payback figures are shown. Revenue is not profit.

Ownership and support

What owning this franchise involves

Your role

You can serve as the agency's Principal or appoint someone who meets Brightway's licensing and training requirements.

Owner involvement
Owners need no license; a licensed, trained, approved Principal must directly supervise the agency 40+ hours weekly.
Main responsibilities
Sell approved insurance, build referral relationships and follow agency operating standards.
Manager requirements
A replacement Principal needs written approval and must finish required training within 30 days of the prior one's exit.

Free consultation

Let's talk about Brightway Insurance.

Discuss your startup budget, the Principal requirement, and whether a professional or retail office fits your plans.

Free for buyers. Franchisors may pay FranRelay if you go ahead; we tell you before any introduction, and nothing happens without your go-ahead.

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Brand FAQs

Brightway Insurance Franchise Questions

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Disclosure document

The fees above are a short selection. Check the full FDD for all fees and terms before making a decision.

Brightway Insurance, LLC, Franchise Disclosure Document. There may also be laws on franchising in your state. Ask your state agencies about them. Issuance Date: April 30,

An introduction is not a statement that territory is available or that you will be accepted.