Keystone Insurers Group franchise
2025 filing · April 4, 2025Growing
Keystone Insurers Group at a glance
A membership network for independent insurance agencies, giving each agency access to the carrier contracts and support Keystone negotiates. At the end of 2024 there were 302 Keystone Insurers Group locations in the US, 280 franchised and 22 company-owned.
The business
- Franchisor
- Keystone Insurers Group LLC
- The company that sells the franchises
- Franchising since
- 1999
- 26 years of selling franchises
- Franchisor based in
- Mechanicsburg, Pennsylvania
What you pay
- Cost to open
- $27K–$99K
- Fee, build-out and opening working capital
- Franchise fee
- $5K–$20K
- Set by the agency's gross written premium, from $5,000 under $10 million to $20,000 at $40 million or more
- Royalty
- $881+ a month by premium
- A monthly service fee set by the agency's gross premium: $881 under $1 million, rising in steps to $3,524 at $50 million, plus $55.06 for each further million
- Agreement length
- 5 years
- Territory
- None
- No exclusive territory
- Franchisor financing
- None offered
Where it is
- US locations, 2024
- 302
- Franchised and company-owned
- Franchised
- 280
- Company-owned
- 22
- Change in 2 years
- +7
- Franchised locations, 2022–2024
From Keystone Insurers Group LLC’s 2025 filing; SBA status from the SBA Franchise Directory, October 28, 2026.
Where it ranks
Keystone Insurers Group among all franchises with the same figure.
| Figure | Keystone Insurers Group | Among all franchises |
|---|---|---|
| Cost to open, midpointHalfway between the low and high estimate | $63,225 | Costs less than 95% of franchises |
| Franchise feePaid once, when you sign | $5,000 | Lower than 97% of franchises |
| US locationsFranchised and company-owned | 302 | More than 90% of franchises |
How much a Keystone Insurers Group franchise costs
Opening one Keystone Insurers Group costs an estimated $27,250 to $99,200. 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.
Source: Keystone Insurers Group LLC, 2025 filing, page 24
Keystone Insurers Group franchise fee
The franchise fee is $5,000 to $20,000, set by the agency's gross written premium, from $5,000 under $10 million to $20,000 at $40 million or more. You pay it when you sign the franchise agreement.
Source: Keystone Insurers Group LLC, 2025 filing, page 13
Royalty and ongoing fees
| Royalty | A monthly service fee set by the agency's gross premium: $881 under $1 million, rising in steps to $3,524 at $50 million, plus $55.06 for each further million. |
|---|
The typical franchise royalty is 6% of sales, plus 2% for marketing. See franchise fees and royalties to compare.
Source: Keystone Insurers Group LLC, 2025 filing, page 14
Sales and earnings
No figures Keystone Insurers Group does not share sales or profit figures for its locations. Talking to current and former franchise owners is the usual way to learn what a location earns.
Source: Keystone Insurers Group LLC, 2025 filing, page 48
SBA loans to Keystone Insurers Group franchisees
Lenders approved one SBA 7(a) loan for a Keystone Insurers Group franchisee in 2013, for $997K. It was paid in full.
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 Keystone Insurers Group compares
Of the 17 insurance franchises on this site, Keystone Insurers Group is the 2nd cheapest to open and the 5th largest by number of locations.
| Figure | Keystone Insurers Group | Typical insurance brand | Typical franchise |
|---|---|---|---|
| Cost to open, low end | $27K | $55K | $222K |
| Cost to open, high end | $99K | $112K | $477K |
| Franchise fee | $5K | $25K | $40K |
| US locations | 302 | 156 | 21 |
| Closed or left per year | 5.3% | 19.8% | – |
| Change in franchised locations, 2 yrs | +2.6% | +11.6% | – |
| Shares earnings figures | No | 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 | Opened | Closed |
|---|---|---|---|---|
| 2022 | 270 (−3) | 15 | +13 | −16 |
| 2023 | 298 (+28) | 20 | +41 | −13 |
| 2024 | 280 (−18) | 22 | – | – |
Closed or left counts terminations, non-renewals, locations bought back by the franchisor and locations that stopped operating. Company-owned are agencies owned by a Keystone affiliate.
See which brands grew most in the fastest-growing franchises rankings.
More in the guides: franchise failure rates.
Source: Keystone Insurers Group LLC, 2025 filing, page 48
Who owns Keystone Insurers Group?
Keystone Insurers Group franchises are sold by Keystone Insurers Group LLC.
From Keystone Insurers Group LLC’s 2025 filing.
Lawsuits and bankruptcy
| Lawsuits and regulatory actions | Yes. The filing describes past or pending cases involving the franchisor, its affiliates or its executives on pages 11–12. |
|---|---|
| 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: Keystone Insurers Group LLC, 2025 filing, litigation on pages 11–12, bankruptcy on page 12
Keystone Insurers Group filings
The figures on this page come from Keystone Insurers Group LLC’s 2025 filing, issued April 4, 2025, on record with the Minnesota Department of Commerce.
| Filing | Issued | Registry | On this page |
|---|---|---|---|
| 2025 filing | April 4, 2025 | Minnesota | Costs, fees and locations, 2022–2024 |
Each link opens the filing as a PDF. See the newest filings across all brands.
Other insurance franchises
All insurance franchises
Keystone Insurers Group is also on these lists: business services franchises.