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 or 800-CARINSURANCE
Financial servicesEstrella Insurance and 800-CARINSURANCE keep software decisions at HQ: Item 11 requires franchisees to use Estrella's own Agency Management Software on a computer system meeting Estrella's specifications. The brand operates 214 franchised commercial office locations, inside the Confie insurance-agency portfolio.
For software vendors selling into US franchise brands.
Live signals
Total units
219
219 franchised
Unit growth YoY
—
vs prior filing
AUV
$2.50M
Item 19, 2025
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 (FY2025)
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 or 800-CARINSURANCE
Estrella Insurance and 800-CARINSURANCE operate as commercial insurance office locations inside the Confie portfolio. Item 19 reports 2024 median sales of $4,438,136 for Commercial Office franchised agencies open at least two years as of December 31, 2024, with approximately 72% above $2,500,000; the agencies reviewed were located in Florida, Arizona, and California. That geography is a useful starting map for a vendor scoping territory before a pitch.
Who controls software purchasing
Estrella Insurance's corporate office requires its own Agency Management Software and sets the specifications for the computer system every office must run. President and Director Nicolas Estrella, Jr. leads the franchisor, with Vice President and Chief Operating Officer Jose E. Merille and Director of Information Technology Manuel F. Alea Cofiño on its leadership team.
Tech named in the FDD, and what is actually required
Franchisees must use Estrella's Agency Management Software, referenced directly in Item 11, and must obtain a computer system (hardware and software) meeting Estrella's specifications, currently costing $3,000 to $6,000. Franchisees must also maintain a functioning e-mail address so Estrella can send notices and communicate with them.
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 from suppliers Estrella designates, currently estimated at 18% to 20% of setup purchases and 8% to 10% of ongoing purchases. Franchisees may propose a supplier for approval, and Estrella will not unreasonably withhold it. The royalty runs 10% to 14% of Net Commissions, depending on location, on a 10-year initial term, with two additional 10-year renewal periods available to franchisees not in default.
How to read the Estrella Insurance FDD
The embedded viewer below carries Estrella Insurance's 2025 Franchise Disclosure Document in full, including the Item 11 technology and Item 8 supplier-restriction language summarized above.
Talk to FranCloud for a ranked list of franchise systems like Estrella Insurance where the technology mandate lines up with your product.
Questions vendors ask
Estrella Insurance or 800-CARINSURANCE, answered from the filing
Estrella Insurance's corporate office in Florida, part of the Confie insurance-agency portfolio, requires its own Agency Management Software and a computer system meeting its specifications. Its officers include President Nicolas Estrella, Jr. and Director of Information Technology Manuel F. Alea Cofiño.
Item 11 requires franchisees to use Estrella's Agency Management Software, plus a computer system (hardware and software) meeting Estrella's specifications, currently priced at $3,000 to $6,000, and a functioning e-mail address for franchisor communications.
Estrella Insurance had 214 franchised Commercial Office Locations and no company-owned outlets at the end of 2024, in the financial-services (insurance agency) segment.
Item 8 runs on an approved-supplier list: franchisees must buy or lease office equipment, furniture, and computer hardware and software from suppliers Estrella designates. Franchisees may propose a supplier for approval, and Estrella will not unreasonably withhold that approval.
The initial term runs 10 years, with two additional 10-year renewal periods available to franchisees not in default — a long, predictable cadence for planning a technology re-contracting pitch.
The embedded PDF viewer below carries Estrella Insurance's 2025 Franchise Disclosure Document.
Source
Read the filing itself
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FDD alert
Tell me when this brand refiles.
We’ll email you the moment Estrella Insurance or 800-CARINSURANCE files a new annual FDD, usually the freshest signal of a vendor change.
Operator footprint
Who runs the locations
1 operators run 1 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.
Operators by units owned
Single-unit1
Top states by locations
| WI | 1 |
|---|
Ownership
The portfolio behind Estrella Insurance or 800-CARINSURANCE
single_brand_holdco of Confie.
Related Financial services brands
Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.