Frontier Adjusters franchise
2024 filing · March 20, 2024Shares sales figures
Frontier Adjusters at a glance
An insurance claims adjusting business handling inspections, appraisals, estimates, claims administration and investigations. At the end of 2023 there were 527 Frontier Adjusters locations in the US, all franchised.
The business
- Franchisor
- Frontier Adjusters, Inc
- The company that sells the franchises
- Franchisor based in
- Lakewood Ranch, Florida
What you pay
- Cost to open
- $22K–$30K
- Fee, build-out and opening working capital
- Franchise fee
- $15,000
- $5,000 at signing and the rest in weekly installments
- Royalty
- 15%
- 15% of gross receipts from billings; customers pay the franchisor, which passes 85% to the franchisee weekly
- Brand fund
- None now
- Up to 1% of gross receipts; not charged at present
- Agreement length
- 5 years
- Territory
- None
- No exclusive territory
Where it is
- US locations, 2023
- 527
- Franchised and company-owned
- Franchised
- 527
- Company-owned
- 0
- States
- 50
- Most in California, Texas and Florida
From Frontier Adjusters, Inc’s 2024 filing; SBA status from the SBA Franchise Directory, October 28, 2026.
Where it ranks
Frontier Adjusters among all franchises with the same figure.
| Figure | Frontier Adjusters | Among all franchises |
|---|---|---|
| Cost to open, midpointHalfway between the low and high estimate | $25,975 | Costs less than 99% of franchises |
| Franchise feePaid once, when you sign | $15,000 | Lower than 93% of franchises |
| RoyaltyShare of sales paid to the franchisor | 15% | Higher than 98% of brands with a set rate |
| US locationsFranchised and company-owned | 527 | More than 94% of franchises |
| Sales per locationYearly, as the brand reports it | $55,516 | Lower than 100% of brands that share sales figures |
| Sales against cost to openYearly sales over the cost midpoint | 2.1× | Higher than 67% of brands that share sales figures |
How much a Frontier Adjusters franchise costs
Opening one Frontier Adjusters costs an estimated $21,500 to $30,450. That covers the franchise fee and everything else needed to open, through the first months of working capital. It is one of the franchises under $30K.
The biggest costs are initial franchise fee ($15,000) and equipment ($1,000 to $3,000). Here is every line of the estimate as filed:
| What it pays for | Range | Low | High |
|---|---|---|---|
| Initial Franchise Fee | $15,000 | ||
| Errors & Omissions Insurance | $800 | ||
| Additional Insurance Coverage | $500 | $1,000 | |
| Equipment | $1,000 | $3,000 | |
| Opening Inventory | $150 | ||
| Initial Advertising Fee | $0 | ||
| Training | $0 | ||
| Real Estate and Improvements | $0 | $1,500 | |
| Utility and Lease Security Deposits | $50 | $1,500 | |
| Telephone and Fax Listings | $1,000 | $2,000 | |
| Furniture and Fixtures | $0 | $1,000 | |
| Business License and Workers Compensation Insurance Deposit | $0 | $1,500 | |
| Additional Funds (3 months) | $3,000 | ||
| Total | $21,500 | $30,450 | |
Source: Frontier Adjusters, Inc, 2024 filing, page 15
Frontier Adjusters franchise fee
The franchise fee is $15,000, $5,000 at signing and the rest in weekly installments. You pay it when you sign the franchise agreement.
Source: Frontier Adjusters, Inc, 2024 filing, page 12
Royalty and ongoing fees
| Royalty | 15% of gross receipts from billings; customers pay the franchisor, which passes 85% to the franchisee weekly. |
|---|---|
| Brand or marketing fund | Up to 1% of gross receipts; not charged at present. |
| Technology/Customer Service Center Fee | Up to 1% of gross receipts from billings for services performed |
| Transfer Fee | $500 |
The typical franchise royalty is 6% of sales, plus 2% for marketing. See franchise fees and royalties to compare.
Source: Frontier Adjusters, Inc, 2024 filing, page 13
Other fees as filed, from pages 13–14. The filing lists every fee, including late fees and audit costs.
Sales and earnings
Shares figures Frontier Adjusters publishes sales or earnings figures for its locations. The full tables, with notes on which locations are counted, are in its filing.
- Average sales
- $55,516
- Median sales
- $36,189
Yearly figures for year to June 30, 2023, covering advertised locations operating the full fiscal year (527 locations). The average is about 2.1 times the midpoint of the cost to open.
Sales are what a location takes in before rent, payroll, royalties and other costs, not what its owner keeps.
Source: Frontier Adjusters, Inc, 2024 filing, pages 39–40
SBA loans to Frontier Adjusters franchisees
Lenders approved one SBA 7(a) loan for a Frontier Adjusters franchisee in 2018, for $350K. It was charged off.
A charged-off loan is one written off as uncollectible. See SBA franchise loans for how 7(a) and 504 loans work.
Source: SBA 7(a) and 504 loan data, as of September 30, 2026
How Frontier Adjusters compares
Of the 17 insurance franchises on this site, Frontier Adjusters is the cheapest to open and the 3rd largest by number of locations.
| Figure | Frontier Adjusters | Typical insurance brand | Typical franchise |
|---|---|---|---|
| Cost to open, low end | $22K | $55K | $222K |
| Cost to open, high end | $30K | $112K | $477K |
| Franchise fee | $15K | $25K | $40K |
| Royalty | 15% | – | 6% |
| Sales per location | $56K | – | $794K |
| US locations | 527 | 156 | 21 |
| Change in franchised locations, 0 yrs | −14.2% | +11.6% | – |
| Shares earnings figures | Yes | 9 of 17 | 2,147 of 3,352 |
Typical is the median across the 17 brands in insurance franchises; typical franchise, across every brand here.
Locations opened and closed
| Year | Franchised | Company-owned |
|---|---|---|
| 2019 | 619 (−17) | 2 |
| 2020 | 614 (−5) | 0 |
| 2021 | 610 (−4) | 0 |
| 2022 | 587 (−23) | 0 |
| 2023 | 527 (−59) | 0 |
Closed or left counts terminations, non-renewals, locations bought back by the franchisor and locations that stopped operating. U.S. offices, in years ending June 30.
See which brands grew most in the fastest-growing franchises rankings.
More in the guides: franchise failure rates.
Over 5 years, from the start of 2019 to the end of 2023, franchised locations went from 636 to 527 (−109, −17%). The earlier years come from the brand's 2022 filing.
Source: Frontier Adjusters, Inc, 2024 filing, page 41
2019–2020: Frontier Adjusters, Inc, 2022 filing, page 41
Where Frontier Adjusters locations are
At the end of 2023, Frontier Adjusters had franchised locations in 51 states and territories. The most are in California, Texas and Florida.
- California36
- Texas33
- Florida30
- Colorado24
- Pennsylvania21
- Georgia20
| State | Franchised |
|---|---|
| California | 36 |
| Texas | 33 |
| Florida | 30 |
| Colorado | 24 |
| Pennsylvania | 21 |
| Georgia | 20 |
| New York | 18 |
| Ohio | 18 |
| North Carolina | 17 |
| Illinois | 16 |
All 51 states
Source: Frontier Adjusters, Inc, 2024 filing, page 44
Who owns Frontier Adjusters?
Frontier Adjusters franchises are sold by Frontier Adjusters, Inc.
From Frontier Adjusters, Inc’s 2024 filing.
Lawsuits and bankruptcy
| Lawsuits and regulatory actions | None. The filing says no litigation has to be disclosed. |
|---|---|
| Bankruptcy | None. The filing says no bankruptcy has to be disclosed. |
Franchisors must disclose lawsuits and bankruptcies involving the company, its parents and affiliates, and its executives. Many cases are routine disputes with franchisees over fees or contracts; read the descriptions in the filing and ask current owners about anything that worries you.
Source: Frontier Adjusters, Inc, 2024 filing, litigation on page 10, bankruptcy on page 11
Frontier Adjusters filings
A franchisor files a new disclosure each year it sells franchises. The figures on this page come from Frontier Adjusters, Inc’s 2024 filing, issued March 20, 2024; the earlier ones below are on record with the NASAA Electronic Filing Depository and fill in older location counts.
| Filing | Issued | Registry | On this page |
|---|---|---|---|
| 2024 filing | March 20, 2024 | NASAA depository | Costs, fees and locations, 2021–2023 |
| 2022 filing | December 9, 2021 | NASAA depository | Locations, 2019–2020 |
Each link opens the filing as a PDF. See the newest filings across all brands.
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