FacebookMeta
to designate, approve, control, or limit all aspects of your use of the Internet, Intranet, World Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, L
From the filings
+42.424% units YoYHQ-led decisions
Freeway Insurance
Financial servicesFreeway Insurance keeps technology purchasing at HQ: franchisees must buy or rent the Computer System from the franchisor under its own Technology Specifications, and route services through a centralized Shared Services Center. The 2026 FDD covers 696 locations, 47 of them franchised, under parent Confie Holding II.
For software vendors selling into US franchise brands.
Live signals
Total units
696
47 franchised
Unit growth YoY
+42.424%
vs prior filing
AUV
$523K
Item 19, 2025
Royalty
14%
of gross sales
Ad fund
7%
national + local
Initial fee
$25K
per unit
Investment range
$35K–$84K
all-in, Item 7
Procurement
Approved supplier
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.
21%of gross sales (FY2026)
15% reference
Mandated & recommended tech
The systems vendors compete with
Systems named in Item 11 of this filing. None is recorded as mandated here, which is not the same as the filing mandating nothing. Read Item 11 before treating the category as open.
LinkedInLinkedIn
ve, control, or limit all aspects of your use of the Internet, Intranet, World Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, LinkedIn, X (formall
PinterestPinterest
use of the Internet, Intranet, World Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, LinkedIn, X (formally known as Twitter), Pinterest, Yelp, TikT
SnapchatSnapchat
Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, LinkedIn, X (formally known as Twitter), Pinterest, Yelp, TikTok, Tumbler, and Snapchat), other pho
TikTokTikTok
net, Intranet, World Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, LinkedIn, X (formally known as Twitter), Pinterest, Yelp, TikTok, Tumbler, and
TwitterX
ts of your use of the Internet, Intranet, World Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, LinkedIn, X (formally known as Twitter), Pinterest,
YelpYelp
Internet, Intranet, World Wide Web, social media platforms and applications (including, without limitation, Facebook, Myspace, LinkedIn, X (formally known as Twitter), Pinterest, Yelp, TikTok, Tumbler
Franchisor behaviours
What the franchisor requires
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?
YesFranchise agreement
Franchisor shall have full access to all of Franchisee’s data, system, and related information by means of direct access, whether in person, or by telephone/modem installed and maintained at Franchisee’s sole expense.
Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?
YesFranchise agreement
Franchisee shall provide Franchisor with the type of financial reports to be specified by Franchisor in the form specified by Franchisor in the Confidential Operations Manual or otherwise in writing.
How the franchisor buys
Is the franchisor or an affiliate itself a supplier of required products, services or systems?
YesItem 8
Currently, we are the sole Approved Supplier of the Computer System (including our required telephone system) and copiers.
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesItem 8
We reserve the right to change the Approved Carriers, Contracted Carriers and Ancillary Product Providers at any time.
How much revenue did the franchisor and its affiliates earn from franchisee purchases in the last fiscal year?
2426466Item 8
During the fiscal year ended December 31, 2025, we derived $2,426,466 from franchisee required purchases or leases (including technology fees and overrides from carriers), which is 58% of our total revenue of $4,169,486.
Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?
YesFranchise agreement
Franchisor has the right to retain volume rebates, markups and other benefits from vendors, Approved Carriers, Contracted Carriers and Ancillary Product Providers in connection with the furnishing of, or establishing relationships with, said parties.
Does the franchisor charge a fee to evaluate a proposed supplier?
YesItem 8
If we incur any costs in connection with evaluating an unapproved item or supplier at your request, you or the supplier must reimburse us for our reasonable testing costs, regardless of whether we subsequently approve the item or supplier.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
In the event you wish to purchase any approved items or services from an unapproved supplier, you must provide us with the name, address, and telephone number of the proposed supplier, a description of the item you wish to purchase, and the purchase price of the item, if known.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesFranchise agreement
Franchisee must use the telephone number and telephone listing issued by Franchisor to Franchisee exclusively in connection with Franchisee’s operation of the Franchised Brokerage.
Data and IT
Must the franchisee comply with PCI, data-security or cybersecurity standards set by the franchisor?
YesItem 11
With that, you must comply with our standards and policies and applicable law related to privacy and data security/cybersecurity.
Franchise management
Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?
YesFranchise agreement
Without notice, Franchisor or its designee may make periodic visits and Franchisor and its designees shall be provided full and complete access during business hours to inspect (and copy, if Franchisor so desires) the Approved Location and the Franchised Brokerage and all records relating thereto
Can the franchisor change the operations manual and brand standards unilaterally?
YesFranchise agreement
Franchisor may from time to time, add to, amend, modify, delete or enhance any portion of the System (including any of the Proprietary Marks) or the Confidential Operations Manual as may be necessary in Franchisor’s sole discretion.
Must the franchisor approve the franchisee's site or location before opening?
YesItem 11
We must approve the proposed site for your Approved 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 presence on, or market using, the Internet in connection with the Franchised Brokerage without our prior written consent.
Must the franchisee participate in a regional advertising cooperative when one exists?
YesItem 11
If a Cooperative is determined to be applicable to your Franchised Brokerage, you must participate in the Cooperative.
Operations
Must the franchisee buy products from a designated distributor?
YesItem 8
you must purchase various products and services, which currently include the Computer System and Shared Services Center, from us, our affiliate or from approved or designated third-party suppliers (the “Approved Suppliers”) as we will specify, from time to time, in the Confidential Operations Manual and otherwise in…
Must equipment be purchased from designated or approved suppliers?
YesItem 8
Currently, we require that Franchised Brokerages purchase desks, chairs, indoor signage, and miscellaneous reception area and back-office furniture from our Approved Suppliers.
Payments
Are royalties and other fees collected by automatic bank debit (ACH or electronic funds transfer) from the franchisee's account?
YesFranchise agreement
Franchisor shall pay Franchisee by electronic funds transfer to an account specified by Franchisee in the Electronic Funds Withdrawal and Deposit Authorization attached hereto as Exhibit 8, which shall effectuate Franchisor’s ability to deposit and withdraw funds from such bank account via electronic funds transfer.
Point of sale
Must the franchisee use a specific point-of-sale system designated or approved by the franchisor?
YesItem 8
You must engage with us to obtain and install the Computer System (including all hardware and software components), a high speed Internet connection, modems, printers,
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesItem 11
We will have the right at any time to retrieve and use this data and information from the Computer System in any manner we deem necessary or desirable.
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesItem 11
We may charge you our then-current Additional Training Fee (currently, $350 per attendee) for such training sessions at our headquarters or our then-current Additional On-Site Training Fee (currently $350 per trainer, per day) for training provided at your Franchised Brokerage.
Is attendance at an annual convention or conference mandatory for the franchisee?
YesFranchise agreement
Franchisee shall (a) attend the conventions, seminars and meetings that Franchisor may periodically require;
The filing answers no to 4 questions
- Is there a franchisee advisory council, association or committee?Item 11
- Must the franchisee participate in a customer-satisfaction or net-promoter survey program?Franchise agreement
- Is a minimum grand opening advertising spend required?Item 7
- Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?Item 11
The vendor opportunity at Freeway Insurance
696 locations run under the 2026 FDD, 47 franchised and 649 corporate-owned, inside the financial services segment; Confie Holding II owns the system. The franchised slice is the fast-moving part of the story: franchised outlets grew 42.4% year over year, meaning the addressable base is expanding, not static. Item 19 sets a $523,095 average Annual Total Revenue figure for 303 affiliate-owned Freeway Brokerages in its Fee and Ancillary Revenue Centric States subset that were open and operating the full 2025 calendar year.
Who controls software purchasing
Item 11 puts the Computer System squarely on the franchisor: franchisees must purchase or rent it, plus any other required hardware and software, according to the franchisor's own Technology Specifications, and they must keep an email account the franchisor designates for exclusive Brokerage use. Item 8 backs that up — the franchisor is currently the sole approved supplier of the Computer System (including the required telephone system) and copiers, while CAS and SSBCC are the sole approved suppliers of the Shared Services Center. That is a centralized, HQ-level purchasing decision. CEO Cesar Soriano and CFO Michael Kaplan sit atop the officer roster in Item 2, alongside EVP and General Counsel Carol Newman and EVP and Chief Sales Officer Darrin Silveria.
Tech named in the FDD, and what is actually required
Item 11 requires the Computer System itself, adequate internet-speed hardware and software, and a franchisor-designated email account used only for the Brokerage. Item 11 also reserves the franchisor's right to control franchisees' use of social media platforms, including Facebook, Myspace, LinkedIn, X (formerly Twitter), Pinterest, Yelp, TikTok, Tumblr, and Snapchat.
Procurement, renewals, and timing
The royalty runs 14% of Total Revenue. Item 17 sets the renewal, transfer, and termination terms for the franchise agreement. With the franchised base growing 42.4% year over year, the volume of new agreements — and the accompanying Computer System purchase each one triggers — is rising with it.
How to read the Freeway Insurance FDD
The PDF viewer below carries the full 2026 Freeway Insurance Franchise Disclosure Document. Item 11 details the technology mandate, Item 8 the supplier rules, and Item 19 the $523,095 brokerage-cohort figure cited above. Talk to FranCloud for a ranked list of franchise systems like this one, sized and scored for software fit.
Questions vendors ask
Freeway Insurance, answered from the filing
The Computer System and Shared Services Center are only available from the franchisor, CAS, and SSBCC — a corporate-level decision. CEO Cesar Soriano and CFO Michael Kaplan anchor the buying center, under parent Confie Holding II.
Item 11 requires franchisees to purchase or rent the Computer System from the franchisor per its own Technology Specifications, plus a franchisor-designated email account. Item 11 also lets the franchisor control franchisees' use of social media platforms such as Facebook, LinkedIn, X, TikTok, and Yelp.
696 total locations — 47 franchised and 649 company-owned — in the financial services segment, with franchised outlets up 42.4% year over year.
An approved-supplier list under Item 8: the franchisor is currently the sole approved supplier of the Computer System (including the required telephone system) and copiers, while CAS and SSBCC are the sole suppliers of the Shared Services Center; franchisees may propose an alternate supplier for approval.
Item 17 sets the renewal, transfer, and termination terms for the franchise agreement. With the franchised layer growing 42.4% year over year, the volume of new agreements — and the Computer System purchase each one triggers — is rising with it.
The embedded PDF viewer below holds Freeway Insurance's 2026 Franchise Disclosure Document in full. Read Items 8 and 11 first for procurement and technology, then Item 19 for the brokerage-cohort figure.
Source
Read the filing itself
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
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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 Freeway Insurance
unknown of confie holding ii.
Related Financial services brands
Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.