From the filings
Software purchasing at Veronica’s Insurance Franchise is controlled at the corporate level, with Chief Executive Officer Veronica Gallardo and Chief Operations Officer Tania Gallardo identified in the 2024 FDD. The franchise currently mandates Turborator and a proprietary Veronica's CRM across its 45 total units (36 company-owned, 9 franchised). For software vendors, this represents a concentrated, centrally managed account where a single HQ decision can unlock deployment across the entire system.
For software vendors selling into US franchise brands.
Live signals
Ongoing fee load
The recurring percentage of gross sales named in this filing, before rent, labour or any technology fee.
20%of gross sales (FY2024)
15% reference
Franchisor behaviours
28 requirements the franchisor states in this filing, each in its own words; 1 explicit no; 5 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 will have independent access to all of the information and data that is electronically transmitted on your point of sale system and will have access to all data related to the financial performance of your Agency.
Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?
YesFranchise agreement
within 30 days of the end of each calendar month Franchisee shall submit to Franchisor monthly financial statements and other reports related to the operations of the Franchised business
How the franchisor buys
Is the franchisor or an affiliate itself a supplier of required products, services or systems?
YesItem 8
Our affiliate, Getmore Media Inc. is currently designated as an approved supplier of marketing services and materials for franchisees.
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesItem 8
We may designate a supplier, including ourselves or our affiliates, as the exclusive supplier for the System.
How much revenue did the franchisor and its affiliates earn from franchisee purchases in the last fiscal year?
0Item 8
During the fiscal year ended December 31, 2023, we did not earn any revenue from approved suppliers based on our franchisees’ purchases.
Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?
YesFranchise agreement
Franchisor and its affiliates may receive payments from suppliers and/or distributors on account of such supplier’s or distributor’s dealings with Franchisee and other franchisees and Franchisor may use all amounts so received without restriction and, for any purpose, including Franchisor’s profit.
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?
40Item 8
approximately 40% of the on-going operating expenses of the Franchised Business.
Does the franchisor charge a fee to evaluate a proposed supplier?
YesItem 8
We may charge you a fee equal to the costs and expenses that we incur in reviewing and evaluating an alternate supplier, product, and/or service requested by you.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
If you want to purchase or lease a source restricted item from a supplier that has not been previously approved or designated by us in writing, you must send us a written request for approval and submit additional information, samples, and testing data that we may request.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesFranchise agreement
In the event of the termination of this Agreement, for any reason, that the accounts related to all telephone numbers associated with the Franchised Business and all rights in and to the telephone numbers associated with the Franchised Business, shall, at Franchisor’s election, be transferred to Franchisor.
Data and IT
Must the franchisee comply with PCI, data-security or cybersecurity standards set by the franchisor?
YesItem 1
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 has the right at any and all times during business hours, throughout the terms of this Agree and without prior notice to Franchisee, to inspect Franchisee’s Agency.
Can the franchisor change the operations manual and brand standards unilaterally?
YesItem 11
At all times, we reserve the right to supplement, modify and update the Manuals.
Must the franchisor approve the franchisee's site or location before opening?
YesItem 11
You must obtain our approval of your Agency 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 use any websites, web-based media or digital media unless expressly approved by us in writing.
Is a minimum grand opening advertising spend required?
YesItem 7
You must spend a minimum of $6,000 prior to the opening your Agency to promote your grand opening.
Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?
YesItem 6
On an on-going basis, you must spend not less than 5% of your Gross Sales on the local marketing of your Agency within your designated territory and in accordance with our standards and specifications.
Must the franchisee participate in a regional advertising cooperative when one exists?
YesFranchise agreement
If Franchisee’s Agency or Designated Territory is located within the geographic area of an Advertising Cooperative, franchisee must participate in and contribute to the Advertising Cooperative.
Operations
Must the franchisee buy products from a designated distributor?
YesFranchise agreement
(c) exclusively purchase all System Supplies, including, but not limited to, merchandise, inventory, and supplies, from Franchisor or Franchisor’s designated suppliers;
Must equipment be purchased from designated or approved suppliers?
YesItem 8
You may only use those products, supplies, equipment, technology systems, and services that we authorize and designate in writing.
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 be required to sign an ACH Authorization Form (Franchise Agreement, Exhibit 7) permitting us to electronically debit your designated bank account for payment of all fees payable to us and/or our affiliates.
People
Does the franchisor require minimum staffing levels or specific roles?
YesItem 15
At all times, your Agency must be managed and supervised on-site by either a Managing Owner or Operating Manager.
Must employees wear uniforms specified by the franchisor?
YesItem 11
you must ensure that all employees wear and maintain the proper uniforms with our approved System branded apparel and uniforms including, but not limited to, the apparel and uniforms comprising System Supplies.
Point of sale
Must the franchisee use a specific point-of-sale system designated or approved by the franchisor?
YesItem 11
Currently, the designated point of sale system that you must license and use is Veronica’s CRM, and as otherwise designated by us in the Manuals.
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesItem 11
We will have independent access to all of the information and data that is electronically transmitted on your point of sale system and will have access to all data related to the financial performance of your Agency.
Sales and CRM
Must the franchisee use a CRM system designated or approved by the franchisor?
YesItem 11
Currently, the designated point of sale system that you must license and use is Veronica’s CRM, and as otherwise designated by us in the Manuals.
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesFranchise agreement
Franchisee or, if Franchisee is a Corporate Entity, Franchisee’s Managing Owner and Manager, at Franchisee’s sole cost and expense, must attend and successfully complete all refresher training courses or system-wide training courses, additional training programs and seminars as Franchisor periodically may designate…
Is attendance at an annual convention or conference mandatory for the franchisee?
YesItem 6
If we offer a franchisee annual conference in a given year you will be required to attend the conference on the dates and at the location that we designate.
Veronica’s Insurance Franchise operates 45 total units, with 36 company-owned locations and just 9 franchised outlets. That heavy corporate ownership means a single sales motion at HQ can cover 80% of the system without needing to win over individual franchisees. The brand sits in financial services, headquartered in California, and its 2024 FDD shows a 15% royalty rate on a 5-year initial term. No average unit volume is disclosed in the filing, so vendors should size the opportunity based on the 45-unit footprint and the centralized buying pattern rather than per-location revenue estimates.
The FDD’s Item 1 names three executives: Veronica Gallardo, Chief Executive Officer; Tania Gallardo, Chief Operations Officer; and Raul Dominguez, Director of Operations. Because the franchise mandates specific technology systems from the top, software purchasing authority almost certainly rests with this group. For a vendor, the CEO and COO are the likely economic buyers, while the Director of Operations may influence implementation and day-to-day tooling decisions. No multi-unit operators are mapped in our corpus, reinforcing that all meaningful procurement flows through these corporate officers.
Veronica’s Insurance mandates two systems: Turborator and a proprietary platform called Veronica's CRM. The FDD does not disclose whether Turborator covers rating, policy management, or agency management functions, but its status as a mandated system means any competing or adjacent tool must either integrate with it or demonstrate a clear replacement path that HQ will endorse. The proprietary CRM is another locked-in piece of the stack; vendors selling CRM-adjacent modules (marketing automation, quoting, document management) need to position around that existing investment rather than against it.
The 2024 FDD does not include an Item 8 extract, so the formal procurement model—whether designated supplier, approved supplier, or open—is not publicly confirmed. On renewals, Item 17 spells out a structured process: franchisees must give 180 days’ prior written notice, pay a renewal fee, sign the then-current form of agreement (which may contain materially different terms), and remodel to current standards. The 5-year term and 6-month renewal notice window create predictable moments when the franchisor and franchisees reassess their vendor relationships. For a software seller, those renewal cycles are the most natural entry points for a platform switch or add-on sale.
The full 2024 Franchise Disclosure Document is embedded below. It was filed with state franchise regulators and contains the legal and operational disclosures that govern the system. Key sections for a software vendor: Item 1 (executives and ownership), Item 11 (mandated systems—Turborator and Veronica's CRM appear here), Item 8 (procurement restrictions, though absent in our extract), and Item 17 (renewal conditions and term length). Reading these sections will tell you who signs the check, what tech is locked in, and when the window opens to propose something new. For a ranked target list of franchise systems matched to your software category, FranCloud can help.
Questions vendors ask
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FDD alert
We’ll email you the moment Veronica’s Insurance Franchise files a new annual FDD, usually the freshest signal of a vendor change.
Operator footprint
1 operators run 1 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.
Operators by units owned
Related Financial services brands
Primary franchise filings · updated June 2026. Every figure is source-traceable and QA-checked.