Estrella Insurance

The vendor opportunity at Estrella Insurance

Estrella Insurance is a financial services franchise headquartered in Florida, operating 4 franchised locations. The system reports an average unit volume (AUV) of $2,500,000, with a royalty rate of 14% and an initial franchise term of 10 years. For software vendors, this is a small but concentrated target: a single decision-making hub controls technology choices for all units, and the franchisor already mandates a core operational system.

The addressable market is exactly 4 units. While the year-over-year unit growth rate is not disclosed in the 2025 FDD, the existing base is fully franchised, with no company-owned locations reported. This structure means every unit is a potential software customer, but adoption depends entirely on HQ-level approval.

Who controls software purchasing

Technology purchasing authority sits with the leadership team named in Item 1 of the FDD. Manuel F. Alea Cofiño holds the title of Director of Information Technology and is the most direct buyer for software vendors. The executive roster also includes Nicolas Estrella, Jr. as President and Director, Jose E. Merille as Vice President and Chief Operating Officer, Richard N. Estrella as Director of Operations, and Analaura Morales as Director of Franchising and Training. This group represents a centralized buying center where the IT director likely evaluates solutions and the COO and President sign off on major investments.

Vendors should prepare for a top-down sales motion. There is no mapped operator footprint in our corpus, meaning no franchisee-level influencers have been identified. The absence of a parent company suggests Estrella Insurance is independently owned, keeping procurement authority in-house.

Mandated and current tech stack

The 2025 FDD mandates Agency Management Software across the system. The specific vendor is not named in the disclosure, which is common when franchisors require a category of software without locking in a single provider. This creates an opening for vendors offering agency management platforms, as well as adjacent tools that integrate with such systems—think CRM, quoting, compliance, or document management solutions tailored to insurance agencies.

No other mandated or recommended technology systems are disclosed. Vendors selling POS, payroll, or general operational software will need to demonstrate value directly to the HQ team, as no existing mandates block or favor those categories.

Procurement, renewals, and timing

Item 8 of the FDD does not provide an extract describing the procurement model. Without a designated supplier list or approved vendor program on file, the process may be informal or handled on a case-by-case basis. Software vendors should approach the Director of IT to clarify whether Estrella Insurance uses a preferred vendor roster or evaluates solutions ad hoc.

Renewal terms offer a potential timing signal. Under Item 17, franchisees in good standing can extend their agreements for two additional periods of 10 years each. These renewal windows, tied to the initial 10-year term, may prompt technology reviews as franchisees reassess operations. With the current FDD filed in 2025, vendors can align outreach with known contract cycles if they learn when the first units signed.

How to read the Estrella Insurance FDD

The full Franchise Disclosure Document is available below. It contains the legal and operational details vendors need to understand Estrella Insurance’s technology requirements, executive structure, and franchisee obligations. Review Item 11 for the agency management software mandate and Item 1 for the complete leadership team. The document is filed with state franchise regulators and reflects the system’s disclosures as of 2025.

For a ranked list of franchise systems that match your software category, FranCloud can help you prioritize targets based on tech mandates, unit counts, and buyer access.