FILING · MN · 2026 FDD
FREEWAY INSURANCE FDD (Franchise Disclosure Document) — 2026
The FDD is the 23-item legal disclosure every U.S. franchisor must hand you at least 14 days before you sign or pay anything (FTC Franchise Rule, 16 CFR 436). FREEWAY INSURANCE's most recent FDD tracked here is the 2026 FDD, a multistate filing. Registration-state filings are public records, so you can read it free, with no sign-up.
PUBLIC RECORD · FILED 2026 · SOURCE STATE MN
| ITEM 5 | Initial franchise fee | $25,000 |
| ITEM 6 | Ongoing royalty | 14.0% of gross sales |
| ITEM 7 | Total initial investment | $35K–$84K |
| ITEM 3 | Disclosed litigation matters | 0 |
| ITEM 19 | Earnings disclosure (FPR) | Yes — median unit volume $205K (population and period as defined in the filing's Item 19) |
| ITEM 20 | Outlets (fiscal 2025) | 47 franchised at year end · 3 exits (exit rate 9.1%, fiscal 2025) |
| ITEM 21 | Franchisor financial statements | Unmodified (clean) opinion — CoSurge LLC (d/b/a CoSurge CPAs) |
The headline figure is Total Revenue for Calendar 2025, for 27 of 47 units, leaving out not open the full 2025 calendar year. The mean is 81% above the median, so a minority of high-volume units pulls the average up. It shows no costs, so it says nothing about what an owner keeps.
Graded on three things the filing states: coverage (2 points if the figure covers at least 75% of the units it is compared with, 1 point for 50–75%), centre (2 points if it prints both a median and a mean, 1 for one of them), and costs (2 points for costs through a profit line or full cost detail, 1 for some cost items). 5–6 points = More complete, 3–4 = Partial, 0–2 = Limited. The grade describes the disclosure, not the business.
| What is measured | Total Revenue (revenue) |
| Period | Calendar 2025 |
| Whose results | Franchised outlets |
| Units included | 27 of 47 franchised Freeway Brokerages open and operating at Dec 31, 2025 |
| Left out |
|
| Average (mean) | $372K |
| Median | $205K |
| Mean vs median | mean 81.3% above median |
| Met or beat the average | 8 (30%) |
| Costs shown | None — sales only |
| Where | p. 67 (Item 19 runs pp. 63–68) |
| The filing's words | “we are disclosing data for the 27 franchised Freeway Brokerages open and operating during the entire 2025 fiscal year” |
CoSurge LLC (d/b/a CoSurge CPAs) gave an unmodified (clean) opinion on the statements in the 2026 FDD; revenue rose 111% from FY2024 to FY2025.
Revenue · FY2025
$4.2M
p. 81 · matched to statement
Net income · FY2025
$2.0M
p. 81 · matched to statement
Where FY2025 revenue came from
21% royalties
9% initial / development fees
- Fiscal years covered: FY2024, FY2025 (2026 FDD, statements from p. 81)
- Statements are for: Confie Franchise Services, LLC
- Parent / owner: not identified in the statements
| Fiscal year | FY2024 | FY2025 |
|---|---|---|
| Total revenue | $2.0Mp. 81 · matched to statement | $4.2Mp. 81 · matched to statement |
| Royalty revenue | $368Kp. 81 · matched to statement | $864Kp. 81 · matched to statement |
| Initial / development feesline: Initial franchise fees | $273Kp. 81 | $383Kp. 81 |
| Net income (loss) | $360Kp. 81 · matched to statement | $2.0Mp. 81 · matched to statement |
| Cash at year end | $980Kp. 80 | $1.4Mp. 80 |
How to read this: royalties recur as long as franchisees trade; initial and development fees arrive only when new franchises are sold. A franchisor whose revenue leans on initial fees is funding itself by selling territories, and that revenue stops when sales slow. Under ASC 606 most franchisors recognize initial fees over the agreement term, so the line understates the cash collected in a strong selling year. Ad-fund revenue, where reported, is included in total revenue as the statements present it.
Each figure links to its page in the filed PDF. “Matched to statement” means our extraction and a second, rule-based read of the statement page agree; “extracted · not cross-checked” means the statement page is a scanned image or could not be read as text. Figures we could not place on a consistent scale are withheld, not guessed. Spotted an error? Report a correction.
Every figure above was extracted by software from the 2026 FREEWAY INSURANCE FDD as filed (figures are not individually checked by a person) and links back to that document. Fields that could not be extracted are omitted; no figure here is estimated. Extraction errors are possible: the filing controls, and FDDs are reissued annually; verify against the current issuance before relying on any number. Spotted an error? Franchisors and owners can report it via the contact on our Terms page.
FREEWAY INSURANCE FDD questions, answered
Where can I download the FREEWAY INSURANCE FDD for free?
FREEWAY INSURANCE's 2026 Franchise Disclosure Document is a public record. It can be downloaded free from the source link on this page — no broker form, no email signup required.
What year is FREEWAY INSURANCE's most recent FDD on file?
The most recent FREEWAY INSURANCE FDD tracked here is the 2026 FDD. Franchisors must update their FDD annually; confirm you are reading the current issuance before signing.
Does FREEWAY INSURANCE's FDD disclose earnings (Item 19)?
Yes — FREEWAY INSURANCE makes a financial performance representation in Item 19 of its 2026 FDD, reporting a median unit volume of $205K. Read the basis fine print: franchisors choose which units and metrics to include.
What does FREEWAY INSURANCE's FDD Item 20 show?
In fiscal 2025, FREEWAY INSURANCE ended with 47 franchised outlets; 3 of 33 open at the start of the year left the system (exit rate 9.1%, fiscal 2025) through terminations, non-renewals, and "ceased operations — other reasons".
The FREEWAY INSURANCE validation checklist
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