The franchise offered is for Veronica's Insurance, an insurance agency and brokerage that provides insurance products and services in the fields of property, casualty, vehicle, home, boat, RV, business, commercial, and renter's insurance. The franchisor offers two types of individual unit Agency franchises: an agency employing up to two agents providing services from a professional office; and a retail agency employing multiple Agents from a retail location. They permit their Retail Agencies to operate from a stand-alone location or a location that is co-branded as a Toro Taxes and operated in accordance with our Co-Branding Addenda. They also offer area development franchises for the development of multiple Agencies and a conversion program for qualified owners of existing insurance agencies.