Brightway Insurance

What Brightway Insurance does

Brightway Insurance is a Jacksonville, Florida-based insurance distribution franchise platform that sells property, casualty, vehicle, and related insurance products (home, auto, flood, RV, boat, life, umbrella, small commercial) through a network of more than 350 independently owned franchise agencies operating across 45 U.S. states. The company generates revenue by aggregating consumer premium volume through its agencies and earning commission splits from 100+ carrier relationships, supplemented by one-time franchise fees of $50,000–$200,000 per agency from new owners. Its proprietary technology stack centers on Brightway Fusion, a cloud-based, all-in-one platform combining CRM, quoting workflows, sales pipeline management, marketing automation, AI-powered client recommendations, KPI dashboards, Outlook integration, and document management. Brightway differentiates on a 'you sell, we service' model in which licensed professionals in its Engagement Center handle post-bind servicing and renewals, freeing franchise owners to focus on new business production. The company was founded in 2008 by brothers David and Michael Miller and is now the second-largest agency franchise network in the United States by written premium, following its September 2025 acquisition of GlobalGreen Insurance Agency, which added approximately $270 million in annual written premium and brought combined annual written premium above $1.7 billion.

Name

Brightway Insurance

Legal name

Brightway Insurance, LLC

Website

https://brightway.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Brightway Insurance operates the second-largest U.S. insurance agency franchise network, distributing property, casualty, and vehicle policies through 350+ franchise agencies in 45 states via its proprietary Fusion platform and 100+ carrier relationships.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance Distribution

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance franchise network
• Property casualty insurance
• Independent insurance agents
• Personal lines insurance
• Insurance agency franchise

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Agent Commissions: Brightway insurance agents earn commission income through percentage-based payments tied to policy premiums. First-year commissions typically range from 5% to 20% depending on product type and agent model. Renewal commissions accumulate over time as the book of business grows. The franchise model involves revenue sharing between franchise owners and Brightway as franchisor.
2. Franchise Fees: Entrepreneurs pay franchise fees to open Brightway insurance agencies. Startup costs typically range from $50,000 to $200,000 depending on office setup, number of producers, and marketing investment. Franchise fee financing options are available, and veterans receive a 10% discount off the franchise fee.
3. Acquisition Integration Revenue: The 2025 acquisition of GlobalGreen Insurance Agency (approximately $270 million in annual written premium) expanded Brightway's revenue base by integrating GlobalGreen's franchise network operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Brightway Insurance operates a franchise-based insurance distribution platform that connects consumers with independent agents who shop multiple insurance carriers for property, vehicle, and other insurance products. The company provides its proprietary Fusion technology platform, carrier relationships, back-office servicing support through the Engagement Center, and training/mentorship programs to franchise agency owners across 45 states. Revenue is generated through insurance commissions on consumer policies (5–20% first-year commissions) and one-time franchise fees ($50,000–$200,000) paid by entrepreneurs.

Product overview

Brightway Insurance operates a franchise-based insurance distribution platform offering property, casualty, and related insurance products through a network of over 350 independent agency locations. The core technology offering is Brightway Fusion, a proprietary all-in-one platform combining CRM, sales pipeline management, policy quoting, marketing automation, AI-powered recommendations, and KPI dashboards. Supporting services include the Engagement Center for post-bind servicing and renewals, the myBrightway client portal for policy self-service, and an Apprentice Program for developing future agency owners. The platform processes Property Insurance (Home, Flood, Renters, Condo, Personal Articles), Vehicle Insurance (Auto, RV, Motorcycle, Boat), and Other Insurance (Life, Umbrella, Small Commercial) through relationships with multiple carrier partners. Following the 2025 GlobalGreen acquisition, Brightway manages over $1.7 billion in annual written premium across 45 states.

Differentiator

Problem solved

Functional benefit

Brands

• Fusion: Brightway's all-in-one custom-built technology platform - a CRM, sales pipeline, and growth machine co-created with agents to help write policies faster, organize current book, and increase productivity and customer retention.

Products and services

• Property Insurance Products Property insurance offerings including Home, Flood, Renters, Condo, and Personal Articles coverage sold through Brightway franchise agents who shop multiple carrier partners to find competitive options for consumers.
• Vehicle Insurance Products Vehicle insurance offerings including Auto, RV, Motorcycle, and Boat coverage sold through Brightway franchise agents who shop multiple carrier partners to find competitive options for consumers.
• Other Insurance Products Additional insurance products including Life, Umbrella, and Small Commercial/Business insurance sold through Brightway's carrier network to consumers and small business owners.
• Brightway Insurance Franchise Franchise opportunity enabling entrepreneurs to own independent insurance agencies with access to Brightway's carrier network, proprietary Fusion technology platform, operational support, and brand. The second-largest personal lines insurance franchise system in the United States with 350+ locations across 45 states. Startup costs range from $50,000 to $200,000.

Quantifiable outcome

• $1.7 billion in annual written premium
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• GlobalGreen Insurance AgencycoreStrategic or Co-development Partner · 3 September 2025Brightway Insurance acquired GlobalGreen Insurance Agency, a multi-state franchise network of insurance agencies. GlobalGreen brought approximately $270 million in annual written premium to the combination, creating a platform with over $1.7 billion in annual written premium. The acquisition aimed to accelerate Brightway's geographic expansion and enable GlobalGreen's independent agency owners to leverage Brightway's proprietary AI-enabled technology platform.
• Insurance Carrier PartnerscoreChannel Partner/ Reseller/ DistributorBrightway represents multiple insurance carriers including TypTap, Travelers, Mercury Insurance, Universal Property, Liberty Mutual, Foremost, Bankers, American Integrity, TowerHill, Hartford, Edison Insurance, and Florida Peninsula. These carriers provide the insurance products that Brightway agents sell to consumers, with over 100+ carrier relationships in total.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Goosehead Insurance: Public franchise-based insurance agency distributing personal lines through independent agents across the U.S. Operates the closest comparable franchise model to Brightway, with proprietary technology and multi-carrier access, making it the most direct competitive analog.
• PCF Insurance Services: One of the largest U.S. independent insurance agency groups, growing rapidly through acquisitions of regional agencies. Competes for the same franchise transition and producer placement pipeline as Brightway.
• Acrisure: Large global insurance brokerage with an aggressive roll-up strategy. Targets many of the same regional independent agencies that Brightway recruits as franchise owners.
• Hub International: Major North American insurance brokerage with a strong middle-market and commercial focus. Comparable distribution scale and acquisition-driven growth strategy.
• The Hilb Group: National insurance brokerage built through acquisitions of high-performing regional agencies, with a partnership/equity model for producers. Comparable target for agency transitions in the same franchise-style acquisition market.
• Insurance Office of America (IOA): Large independent insurance agency headquartered in Florida, competing directly with Brightway in its core Southeast market with multi-carrier distribution.

Broad incumbents

• Farmers Insurance: Major national insurer with an exclusive/captive agent model. Represents the broad incumbent alternative to Brightway's independent franchise model and competes for the same agency-owner talent pool.
• State Farm: Largest U.S. personal lines insurer operating an exclusive agent model. Competes for homeowner and auto customers Brightway targets, with massive brand and direct-channel reach.
• Liberty Mutual: Top-5 U.S. P&C carrier and one of Brightway's key carrier partners. Operates its own direct and agent distribution channels that overlap with Brightway's customer value proposition.

Emerging players

• Lemonade: Leading D2C insurtech using AI-driven direct-to-consumer underwriting. Represents the disruptive vector threatening agent-mediated distribution models like Brightway's, particularly in renters and homeowners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@BrightwayInsurance
• Facebookfacebook.com/brightwayinsurance
• LinkedInlinkedin.com/company/352330
• Instagraminstagram.com/brightwayinsurance/reels/?ref=SECONDWIND
• Xx.com/brightwayins

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Brightway Insurance