From the filings
Software purchasing at Fiesta Insurance runs through headquarters: Item 8 requires franchisees to use RightWay Tax Solutions for tax return preparation, and both policy management software and state-specific Insurance Rating Software must come from franchisor-designated suppliers. The system covers 247 franchised agencies, all franchised, none company-owned.
For software vendors selling into US franchise brands.
Live signals
Ongoing fee load
The recurring percentage of gross sales named in this filing. It is a floor, not a total — the filing discloses one of the two headline fees.
20%+of gross sales (FY2025)
15% reference
Franchisor behaviours
22 requirements the franchisor states in this filing, each in its own words; 4 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?
YesItem 11
We have the right to independently access and retrieve data and information from your computer system as we, in our sole and exclusive discretion, deem necessary or desirable.
Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?
YesFranchise agreement
Franchisee shall, at Franchisee’s expense, provide Franchisor with weekly and monthly statements, on forms prescribed by Franchisor, accurately reporting all sales activity during the preceding week or month and such other data and information regarding operation of the Franchised Business as Franchisor may require.
How the franchisor buys
Is the franchisor or an affiliate itself a supplier of required products, services or systems?
YesItem 8
During our last fiscal year, our affiliate Bravo was an approved supplier of automobile insurance and acted as an insurance intermediary for our franchisees, but was not the only approved supplier of insurance.
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesItem 1
We reserve the right to change the approved software package and our approved supplier of the software package in the future.
Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?
YesItem 8
We may derive revenue through advertising allowances, prizes, override insurance commissions, profit sharing insurance commissions, bonus insurance commissions or similar payments from insurance companies.
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?
20Item 8
We anticipate that the cost of these items will represent 30% of your total purchases in establishing the Franchised Business and 20% of your total purchases during operation of the Franchised Business.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
you with our standards and our criteria for approval of insurance company upon request and will approve or disapprove a proposed insurance company in 60 - 90 days.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesFranchise agreement
Franchisee hereby acknowledges that all fictitious business names, telephone and facsimile numbers, Internet addresses and electronic mail addresses and domain names used in the operation of the Franchised Business constitute assets of the Franchised Business and Franchisee shall execute all documents and…
Data and IT
Must the franchisee comply with PCI, data-security or cybersecurity standards set by the franchisor?
YesItem 8
are required to maintain the security of cardholder data and adhere to the then-current Payment Card Industry Data Security Standards (“PCI DSS”), currently found at www.pcisecuritystandards.org for the protection of cardholder data throughout the Term of your Franchise Agreement.
Franchise management
Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?
YesFranchise agreement
Franchisor shall also have the right, at any time, to have an independent audit made of the books and records of Franchisee.
Can the franchisor change the operations manual and brand standards unilaterally?
YesFranchise agreement
Franchisor may, from time to time in its sole discretion, revise the Operations Manual to incorporate Fiesta System changes.
Must the franchisor approve the franchisee's site or location before opening?
YesItem 11
you must identify and obtain our prior written approval of the site of your Franchised Location before entering into a lease for the Franchised Location.
Marketing
Is the franchisee prohibited from operating its own website or social media accounts, or required to use pages the franchisor provides?
YesItem 11
You may not establish a web site for your Franchised Business.
Is a minimum grand opening advertising spend required?
YesFranchise agreement
Franchisee shall pay Franchisor a marketing package fee of $5,500 to $7,000 before commencing operation of the Franchised Business for certain marketing materials, business cards, artwork and supplies to promote insurance sales, which will include indoor branded materials, a mascot costume, a branded arrow, and…
Operations
Must the franchisee buy products from a designated distributor?
YesItem 8
You must license policy management software from our approved supplier.
Must equipment be purchased from designated or approved suppliers?
YesItem 8
You must license policy management software from our approved supplier.
Payments
Are royalties and other fees collected by automatic bank debit (ACH or electronic funds transfer) from the franchisee's account?
YesItem 6
You will execute one or more ACH Payment Authorizations (or another form as we or the Financial Vendor require) and provide us with the bank name, routing number, account number and bank address authorizing the electronic payment of our fees at the time those monies are electronically disbursed to you by the…
People
Does the franchisor require minimum staffing levels or specific roles?
YesItem 15
Your Franchised Business must be managed at all times by you, or one full-time supervisorial or managerial employee, who has completed the minimum level of 80 hours of training required of supervisorial or managerial employees.
Must employees wear uniforms specified by the franchisor?
YesFranchise agreement
Franchisee shall cause all employees, while working at the Franchised Business at the Franchised Location, to: (i) wear uniforms of such color, design, and other specifications as Franchisor may designate from time to time, and (ii) present a neat and clean appearance.
Point of sale
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesItem 11
We have the right to independently access and retrieve data and information from your computer system as we, in our sole and exclusive discretion, deem necessary or desirable.
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesItem 11
We may, if we determine it is necessary to provide a private method of communication between us, our employees and our franchisees, establish and maintain an Intranet through which we may communicate with each other and you, and through which we may disseminate the Operations Manual, updates and other confidential…
Is attendance at an annual convention or conference mandatory for the franchisee?
YesFranchise agreement
Franchisee must attend Franchisor’s annual franchisee convention.
Fiesta Insurance runs 247 franchised agencies — all franchised, none company-owned — headquartered in Nevada as part of Fiesta Insurance Acquisition Inc. and Insurvia. The FDD makes a financial performance representation under Item 19. Fiesta retains 20% to 25% of the Gross Insurance Revenue franchisees receive, the initial term for a new franchise is 5 years, and franchised outlets grew 12.8% year over year.
Item 2 names Danish Charanya as Chief Executive Officer, Diane Chaidez as Vice President of Operations, Jimmy Bryant as Vice President of Agency Operations, Carlos Gil as Vice President of Sales, and Carlos Varela as Director of Franchise Development. Below headquarters, 257 mapped operators run roughly 257 located agencies, concentrated in California (180), Texas (33), Florida (20), New Mexico (6), and Tennessee (5) — an entirely single-unit operator base.
Item 8 requires franchisees to use RightWay Tax Solutions for tax return preparation. Franchisees must also license policy management software and state-designated Insurance Rating Software from an approved supplier, paying a monthly fee the franchisor collects and forwards, and must maintain a personal computer with internet access meeting the franchisor's specifications. Item 11 has franchisees buy the computer system from designated vendors, with specifications that include a Microsoft Office subscription, and the policy management software requires Microsoft Internet Explorer 9 or greater and an anti-virus program.
Item 8 runs on an approved-supplier list: tax return preparation software (currently RightWay Tax Solutions), policy management software, and Insurance Rating Software must come from franchisor-designated or approved suppliers, along with Bank Products and branded office supplies purchased through the franchisor's web portal; franchisees may propose alternate insurance carriers for approval. The initial term is 5 years, with a 10-year renewal available to franchisees who have faithfully performed their obligations.
The embedded PDF viewer below holds Fiesta Insurance's 2025 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
Every number on this page traces back to this document. Read it in full, page by page. Buy the original PDF to download, search, and annotate it.
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FDD alert
We’ll email you the moment Fiesta Insurance files a new annual FDD, usually the freshest signal of a vendor change.
Operator footprint
257 operators run 257 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.
Operators by units owned
Top states by locations
| CA | 180 |
|---|---|
| TX | 33 |
| FL | 20 |
| NM | 6 |
| TN | 5 |
Ownership
unknown of fiesta insurance acquisition inc and insurvia.
Related Financial services brands
Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.