Estrella Insurance franchise: cost, fees & unit track record
Opening an Estrella Insurance franchise takes $12,250 – $84,000 all-in, per its franchise disclosure filings (data as of 2026-05). The initial franchise fee is $10,000 – $25,000. Ongoing, franchisees pay a royalty of 14% on sales plus an ad-fund contribution of up to 7%. To qualify, Estrella Insurance asks for $50,000 in liquid cash and a $50,000 net worth. Anything the filings do not state is marked "Not disclosed" below — never estimated.
Estrella Insurance franchise costs and fees
| Verification mark | Cost item | Low | High | Range |
|---|---|---|---|---|
| Initial franchise feeOne-time, paid to the franchisor at signing | $10,000 | $25,000 | $10,000 to $25,000 | |
| Initial investment (all-in)FDD Item 7-derived range: build-out, equipment, opening costs | $12,250 | $84,000 | $12,250 to $84,000 | |
| Net worth requiredFranchisor's stated qualification minimum | $50,000 | $50,000 | $50,000 | |
| Liquid cash requiredFranchisor's stated qualification minimum | $50,000 | $50,000 | $50,000 | |
| Cash to open (all-in range) | $12,250 | $84,000 | $12,250 to $84,000 |
| RoyaltyOngoing, % of sales | 14% |
|---|---|
| Ad fundOngoing, % of sales | Up to 7% |
| Initial termLength of the first franchise agreement | 10 years |
See the full Estrella Insurance cost breakdown — what's in that number and what isn't
How Estrella Insurance's cost compares
A dollar figure means more with a yardstick. Here is where Estrella Insurance's disclosed cost sits against the Professional Services category:
- Minimum startup cost of $12,250 — about 86% below the Professional Services median of $84,700.
- Initial franchise fee of $10,000 — about 75% below the Professional Services median of $39,700.
Category medians are computed from the Professional Services brands in our data that disclosed each figure — a benchmark for scale, not a quality judgment. See all Professional Services franchises
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How Estrella Insurance's units have held up
Openings and closures from FDD Item 20-style unit history, 2012–2016: began the window at 48 units; 90 units opened, 10 closed, ending at 134 units.
What about earnings?
We don't publish per-brand earnings figures — for Estrella Insurance or anyone else. The only primary source is Item 19 of the brand's own franchise disclosure document (FDD), and no law requires a franchisor to publish one, so the "average owner income" numbers circulating elsewhere are usually unsourced or survivorship-biased. Ask Estrella Insurance for its current FDD and read Item 19 yourself — and if there is no Item 19, that silence is information too.
What this data can't tell you
Everything on this page comes from disclosure filings — fees, ranges, and unit counts. Four questions that matter just as much are not in any filing we can source, so we say so instead of guessing:
- The hours and the labor
- No dataset field says whether Estrella Insurance is a manage-from-a-laptop business or a 60-hour week in disguise. Item 15 of the FDD states whether you're obligated to run the business personally, and Item 11 lists what the franchisor actually does for you — then ask current owners what their week looks like (validation calls), not the sales team.
- How hands-on the ownership really is
- "Semi-absentee" is a pitch, not a filing field. Treat any hands-off claim as unverified until it's consistent with Item 15 and with what multiple current franchisees tell you — what absentee ownership actually means.
- Your territory — whether it's protected, and whether it's open
- Two territory questions sit outside our data. Whether Estrella Insurance grants a protected or exclusive area is set in Item 12 of the FDD and varies brand to brand — some grant none, and the carve-outs (online sales, national accounts) matter as much as the map. And filing data can't say what's open in your market this month; only Estrella Insurance can confirm current availability. Ask both before you inquire, and get the answer in writing.
- What owners earn
- Covered honestly above: our dataset has no earnings fields, the only primary source is the brand's own Item 19, and here is how to read that evidence.
About the Estrella Insurance franchise
Estrella Insurance is a professional services franchisor with 134 units at the end of 2016 (FDD Item 20-style unit history). Between 2012 and 2016, it began the window at 48 units; its filings record 90 unit openings and 10 closures, ending at 134 units. Its parent company is Estrella Franchising Corp.. The filings indicate financing options are available; terms come from the franchisor, not from us.
No franchise-related lawsuits reported in the disclosure data we hold (FDD Item 3, as of 2026-05) — an absence in our sources, not a guarantee; confirm against the brand's current FDD.
From the franchisor's materials
The Franchise Agreement gives you the right to operate the Franchised Business under the name and service mark "ESTRELLA INSURANCE" and other trademarks, service marks, trade names, logotypes, designs, insignia and: symbols designated by us from time to time; (all referred to as the "Proprietary Marks"). You must operate in accordance with the standards and procedures designated by us (the "System”). In addition to granting franchises for individual Franchised Businesses, we also allow certain franchisees that fit our criteria to become Area Developers ("Developers"). Developers sign an Area Development Agreement ("Development Agreement", Exhibit "B-1"), under ‘which they will open and operate a predetermined number of Commercial Office Franchised Businesses in a specified geographic: area ("Development Territory") according to a schedule.("Development Schedule"), Each Commercial Office Franchised business will operate tinder its own Franchise Agreement, the terms of which may differ from those in the form of Franchise Agreement, attached to this Disclosure Document. As of the date of this Disclosure Document, we have 1 Developer.
Estrella Insurance franchise: quick answers
- How much does an Estrella Insurance franchise cost?
- $12,250 – $84,000 all-in to open, per Estrella Insurance's franchise disclosure filings (data as of 2026-05).
- How many Estrella Insurance units are there?
- 134 units at the end of 2016 (FDD Item 20-style unit history).
- How have Estrella Insurance's units held up?
- 93.4% of units at risk between 2014 and 2016 did not close, per our metric recomputed from FDD Item 20-style unit history (methodology published on our verification page).