We Insure

The vendor opportunity at We Insure

We Insure operates 132 total locations, 130 of which are franchised independent insurance agencies. The system is anchored in Florida, where 16 of the 33 mapped operator locations sit, with a secondary presence in Georgia (3), North Carolina (2), Kansas (2), and Pennsylvania (1). The franchisee base is entirely single-unit operators—no multi-unit owners appear in the most recent disclosure—meaning every location is an independent small business that must comply with the franchisor's technology mandates.

The average unit volume sits at $462,275. With a 25% royalty rate and a 5-year initial term, franchisees operate on relatively short agreements that renew only with corporate approval and under potentially materially different terms. For a software vendor, this means the entire network of 130 franchised locations represents a single, HQ-controlled procurement opportunity, not a fragmented sell-in to individual owner-operators.

Who controls software purchasing

Technology decisions at We Insure flow from the top. The FDD lists Judi Hart as Chief Executive Officer and Jay Wolfberg as President. Joe Kurtz serves as Executive Vice President of Insurance Operations, making him the most likely operational buyer for agency management and workflow tools. Taylor Luiso, Executive Vice President of Strategy, likely weighs in on platform decisions that affect long-term positioning. Erica Ostrander, Vice President of Markets & Franchise Success, bridges the gap between corporate mandates and franchisee adoption.

Because the system mandates specific technology categories, the buying center is concentrated at headquarters. Franchisees do not appear to have independent procurement authority for core operational software. A vendor pitch should target the operations and strategy leadership, not individual agency owners.

Mandated and current tech stack

The 2026 FDD explicitly mandates two technology categories: an agency management system and a New Submissions software platform. These are not optional—every franchised location must use them. The specific vendor names for these systems are not disclosed in the FDD extract, which is common when the franchisor reserves the right to designate or change suppliers without amending the disclosure document.

For a software vendor, this creates both a barrier and an opportunity. If you can displace an incumbent or fill a gap adjacent to the mandated stack—think quoting tools, CRM integrations, compliance automation, or data analytics—you are selling into a network where technology adoption is compulsory once corporate approves. The absence of named vendors in the FDD also means the current stack may be in flux or subject to re-evaluation at each 5-year renewal cycle.

Procurement, renewals, and timing

The FDD does not include an Item 8 procurement extract, so the formal supplier designation process remains opaque. What is clear is the renewal structure. Franchise agreements run for 5 years. To renew, a franchisee must request it in writing 90 days before expiration, sign the then-current form of Franchise Agreement—which may contain materially different terms—and potentially sign a general release of claims.

This renewal mechanism is a forcing function for technology compliance. When franchisees re-up, they accept whatever tech stack the current agreement mandates. For a vendor, the 5-year cycle means there are recurring windows where the franchisor may re-evaluate its technology requirements and bring new platforms into the mandated stack. With 130 franchised units all on the same clock, a single corporate decision can unlock the entire network.

How to read the We Insure FDD

The Franchise Disclosure Document is the authoritative source for understanding We Insure's technology mandates, procurement rules, and decision-making structure. Item 1 identifies the executives who control purchasing. Item 11 details the franchisor's obligations, including any mandated technology systems. Item 8, when populated, reveals whether suppliers are designated, approved, or open. Item 17 governs renewal terms and the conditions under which franchisees must adopt new systems.

In this filing, the technology mandates are clear even though specific vendor names are withheld. The operator footprint shows a concentrated, single-unit network with no multi-unit complexity. The short 5-year term and conditional renewal process give the franchisor significant leverage to enforce technology standards across the system. For a complete view of the filing, refer to the embedded FDD viewer below. When you are ready to prioritize franchise systems by technology mandate, renewal timing, and decision-maker accessibility, FranCloud can build a ranked target list for your sales team.