Must the franchisee use an accounting or bookkeeping system designated or approved by the franchisor?
YesItem 11
Accounting system for you to use and follow, as specified in the Operations Manual.
From the filings
Mandated tech stackHQ-led decisions
Estrella Insurance
Financial servicesSoftware purchasing at Estrella Insurance runs through headquarters: Item 11 requires every agency to run the franchisor's own Agency Management Software, and Item 8 routes computer hardware and software purchases through an approved-supplier list. The system covers 233 franchised Commercial Office agencies, all franchised, none company-owned.
For software vendors selling into US franchise brands.
Live signals
Total units
233
233 franchised
Unit growth YoY
—
vs prior filing
AUV
$2.50M
Item 19, 2026
Royalty
10%
of gross sales
Ad fund
7%
national + local
Initial fee
$25K
per unit
Investment range
$50K–$84K
all-in, Item 7
Procurement
Approved supplier
from the filing
Non-compete
2 years
from the filing
Item 19
Claims
from the filing
Ongoing fee load
What the operator pays every month
The recurring percentage of gross sales named in this filing, before rent, labour or any technology fee.
17%of gross sales (FY2026)
15% reference
Franchisor behaviours
What the franchisor requires
21 requirements the franchisor states in this filing, each in its own words; 5 explicit no's; 8 questions the text does not settle, which is not a no.
Accounting
Does the franchisor have direct or independent electronic access to the franchisee's financial, sales or customer records?
YesFranchise agreement
FRANCHISEE shall permit FRANCHISOR and its representatives or agents to copy, examine or audit, physically or by electronic or other methods, the computers, books of accounts, bank statements, check stubs, customer invoices, documents, records, papers, and tax return records (“Financial Records”) of FRANCHISEE at any…
Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?
YesFranchise agreement
day following last day of each month during the Term hereof, FRANCHISEE shall submit to FRANCHISOR financial statements for the preceding month, including a balance sheet and profit and loss statement, prepared in the form and manner prescribed by FRANCHISOR.
How the franchisor buys
Is the franchisor or an affiliate itself a supplier of required products, services or systems?
YesFranchise agreement
FRANCHISEE shall purchase or lease approved brands, types or models of fixtures, equipment (including computer equipment and facsimile machines) and signs only from suppliers designated or approved by FRANCHISOR (which may include FRANCHISOR or its Affiliates).
Is there a franchisee advisory council, association or committee?
YesItem 11
We have formed the Estrella Franchising National Advisory Council (the “Council”).
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesFranchise agreement
The FRANCHISEE agrees that FRANCHISOR may modify the System at any time, and from time to time.
How much revenue did the franchisor and its affiliates earn from franchisee purchases in the last fiscal year?
0Item 8
Except as described above, we do not currently derive revenue or other material consideration as a result of required purchases or leases by you.
Item 8 gives this proportion in one of two shapes: separate percentages for establishing the business and for operating it, or one figure covering "establishing and operating" together. Where they are separate, answer with the operating percentage; where the passage gives only the combined figure, answer with that. What percentage of the franchisee's purchases must come from designated or approved suppliers?
8Item 8
We estimate that the cost of items purchased or leased from our designated suppliers represents 18% - 20% of your total purchases in connection with the establishment of your Franchised Business and 8% - 10% of your total purchases in connection with the operation of your Franchised Business.
Does the franchisor charge a fee to evaluate a proposed supplier?
YesItem 6
In connection with reviewing a supplier of products and/or services proposed by you, you will be responsible for reimbursement of any costs we may incur in evaluating the proposed supplier.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
If you desire to purchase any items from an unapproved supplier, you must submit a written request for approval.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesFranchise agreement
FRANCHISEE shall upon FRANCHISOR'S request execute all documents necessary or proper in FRANCHISOR'S judgment to transfer the right to use and control the telephone number(s) pertaining to the Franchised Business to FRANCHISOR or its designee
Data and IT
Must the franchisee comply with PCI, data-security or cybersecurity standards set by the franchisor?
YesFranchise agreement
This includes, without limitation, updating hardware and software when required and taking all actions necessary to ensure that the Franchised Business is compliant with all Payment Card Industry Data Security Standards (PCI DSS) requirements.
Franchise management
Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?
YesItem 11
Periodic inspections to provide advice, consultation or training, to enhance uniformity and quality control.
Can the franchisor change the operations manual and brand standards unilaterally?
YesFranchise agreement
FRANCHISOR shall have the right to modify the Operations Manual at any time and from time to time by the addition, deletion or other modification to the provisions thereof.
Must the franchisor approve the franchisee's site or location before opening?
YesItem 11
You will obtain our written approval prior to opening the Commercial Office Franchised Business.
Marketing
Is the franchisee prohibited from operating its own website or social media accounts, or required to use pages the franchisor provides?
YesFranchise agreement
FRANCHISEE may not establish FRANCHISEE’S own website, bulletin board or other internet marketing site for the Franchised Business under any circumstances.
Operations
Must the franchisee buy products from a designated distributor?
YesItem 8
Currently, you must buy or lease office equipment, office furniture, computer hardware and software relating to the establishment or operation of your Franchised Business from designated suppliers.
Must equipment be purchased from designated or approved suppliers?
YesItem 8
Currently, you must buy or lease office equipment, office furniture, computer hardware and software relating to the establishment or operation of your Franchised Business from designated suppliers.
Payments
Are royalties and other fees collected by automatic bank debit (ACH or electronic funds transfer) from the franchisee's account?
YesFranchise agreement
FRANCHISEE must participate in FRANCHISOR’S electronic funds transfer program, which authorizes FRANCHISOR to utilize a preauthorized bank draft system.
Point of sale
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesFranchise agreement
FRANCHISEE acknowledges and agrees that FRANCHISOR will have full and complete access to the information and data entered into or produced by the computer system, including, without limitation, email communications and related data, and FRANCHISOR can use the same in any way FRANCHISOR deems appropriate, including in…
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesItem 6
If we train more than the number of persons specified in the Franchise Agreement, you must pay us a training fee, at our rate in effect at the time of the training.
The filing answers no to 5 questions
- Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?Item 8
- Must the franchisee participate in a customer-satisfaction or net-promoter survey program?Franchise agreement
- Is a minimum grand opening advertising spend required?Franchise agreement
- Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?Franchise agreement
- Must the franchisee participate in a regional advertising cooperative when one exists?Franchise agreement
The vendor opportunity at Estrella Insurance
Estrella Insurance runs 233 franchised Commercial Office agencies — all franchised, none company-owned — headquartered in Florida as part of the Confie insurance holding group. Item 19 reports 2025 median sales of $3,916,754 for the cohort of 191 Commercial Office franchised agencies open at least two years as of December 31, 2025, out of the 233 total Commercial Office franchised agencies open as of that date, with approximately 63% above $2,500,000. The royalty runs 10% to 14% of Net Commissions, depending on location.
Who controls software purchasing
Estrella Insurance is part of Confie, whose affiliates also franchise Velox Insurance and Freeway Insurance. Purchasing authority sits with the franchisor rather than with individual agency owners: Item 11 requires every franchisee to run the franchisor's own Agency Management Software, and Item 8's approved-supplier list covers the computer hardware and software that support it.
Tech named in the FDD, and what is actually required
Item 11 requires franchisees to use the franchisor's own Agency Management Software. Item 11 also requires a computer system, hardware and software, meeting the franchisor's specifications, currently costing $3,000 to $6,000, plus a functioning e-mail address for franchisor communications. Item 8 restricts office equipment, office furniture, and computer hardware and software purchases to designated suppliers.
Procurement, renewals, and timing
Item 8 runs on an approved-supplier list: franchisees must buy or lease office equipment, office furniture, and computer hardware and software relating to the franchised business from designated suppliers, though they may request approval of an unapproved supplier and that approval will not be unreasonably withheld. The initial term is 10 years, with two available renewal periods of 10 years each for franchisees not in default — a long gap between the moments a technology contract would naturally come up for renewal.
How to read the Estrella Insurance FDD
The embedded PDF viewer below holds Estrella Insurance's 2026 Franchise Disclosure Document, covering the Item 8, 11, 17, and 19 language cited above. Talk to FranCloud for a ranked list of franchise systems that fit your product better than a cold guess would.
Questions vendors ask
Estrella Insurance, answered from the filing
HQ holds the pen: Item 11 requires franchisees to run the franchisor's own Agency Management Software, and Item 8 puts computer hardware and software purchases through an approved-supplier list, so a vendor pitch has to clear the franchisor before it reaches an agency owner.
Item 11 requires every franchisee to use the franchisor's own Agency Management Software. Franchisees must also maintain a functioning e-mail address and buy a computer system, currently costing $3,000 to $6,000, meeting the franchisor's specifications.
233 franchised Commercial Office agencies, all franchised and none company-owned, part of the Confie insurance holding group.
An approved-supplier list under Item 8: office equipment, office furniture, and computer hardware and software must come from franchisor-designated suppliers, though franchisees can request approval of a new supplier and approval will not be unreasonably withheld.
The initial term runs 10 years, with two renewal options of 10 years each available to franchisees not in default — a long runway between the contract resets that would typically reopen a technology decision.
The embedded PDF viewer below holds Estrella Insurance's 2026 Franchise Disclosure Document, covering the Item 8, 11, 17, and 19 language cited above.
Source
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FDD alert
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Ownership
The portfolio behind Estrella Insurance
single_brand_holdco of Confie.
Related Financial services brands
Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.