Financial ServicesOther Financial Services

Frontier Adjusters Franchise FDD, Costs & Fees (2026)

Frontier Adjusters provides professional claims adjusting services for insurance companies, offering accurate and timely assessments to support efficient claims processing.

KEY FRANCHISE STATS

Franchisees

527

-14%

Franchise fee

$15,000

Investment

$22,000 - $30,000

Revenue (AUV)

$36,000

n.a.

Frontier Adjusters is a leading multi-line insurance claim services franchise founded in 1957. The brand originated in Independence, Ohio, and today operates its corporate headquarters and 24/7 customer service center out of Nashville, Tennessee. As part of the Davies group since 2019, it benefits from strong global insurance and technology resources.

The franchise began expanding through independent operators across North America and now supports more than 600 licensed locations spanning all 50 U.S. states and parts of Canada.

Owner-operator offices deliver a wide range of claim services for property, casualty, and physical damage—including commercial and residential property, auto appraisals, liability investigations, and catastrophe event management.

Frontier differentiates itself through its proprietary FACTS claim management platform, ISO 27001-certified information security, and AI-powered digital intake systems. Its blend of robust field expertise, cutting-edge technology, and franchisee autonomy makes Frontier a standout in the claims services industry.

Initial investment

The initial investment required for a Frontier Adjusters franchise is $22,000 - $30,000. That is the total cost you would need to finance if you were to start this franchise. These costs are provided by the franchisor in the Franchise Disclosure Document.

Type of Expenditure	Amount
Initial Franchise Fee	$15,000
Errors & Omissions Insurance	$800 per year
Additional Insurance Coverage	$500 to $1,000 per year
Equipment	$1,000 to $3,000
Opening Inventory	$150
Initial Advertising Fee	None
Training	None
Real Estate and Improvements	$0 to $1,500 per month
Utility and Lease Security Deposits	$50 to $1,500
Telephone and Fax Listings	$1,000 to $2,000
Furniture and Fixtures	$0 to $1,000
Business License and Workers Compensation Insurance Deposit	$0 to $1,500
Additional Funds (3 months)	$3,000
Total	$21,500 to $30,450

Type of Expenditure	Amount
Initial Franchise Fee	$15,000
Errors & Omissions Insurance	$800 per year
Additional Insurance Coverage	$500 to $1,000 per year
Equipment	$1,000 to $3,000
Opening Inventory	$150
Initial Advertising Fee	None
Training	None
Real Estate and Improvements	$0 to $1,500 per month
Utility and Lease Security Deposits	$50 to $1,500
Telephone and Fax Listings	$1,000 to $2,000
Furniture and Fixtures	$0 to $1,000
Business License and Workers Compensation Insurance Deposit	$0 to $1,500
Additional Funds (3 months)	$3,000
Total	$21,500 to $30,450

Franchise Disclosure Document

Below is Frontier Adjusters's 2024 Franchise Disclosure Document. Upgrade to Pro or purchase the FDD to view and download the document.

Number of units

Frontier Adjusters had 527 total units in 2024, of which 527 were franchised-owned and 0 company-owned.

Frequently Asked Questions

Competitors

Below are some of

Frontier Adjusters

key competitors in the

Other Financial Services

sector.

Franchise

Upgrade

527

New

-14%

15.00%

$22,000

$30,000

$36,000

n.a.

COMMISSION EXPRESS

$100K - $200K

New

-7%

1% - 9%

$172,000

$302,000

n.a.

TAB

$50K - $100K

101

New

-21%

12% - 20%

$54,000

$97,000

$73,000

n.a.

Focus CFO

$25K - $50K

New

-53%

n.a.

$36,000

$64,000

n.a.

Lendio

$25K - $50K

121

New

116%

30% - 70%

$46,000

$117,000

n.a.

SCA

$25K - $50K

New

-16%

50.00%

$27,000

$80,000

$188,000

n.a.

WCH Service Bureau

$50K - $100K

New

n.a.

7%–10%

$55,000

$75,000

n.a.

Training

Frontier Adjusters outlines several forms of training and education programs that it provides or requires for its franchisees:

Initial Training and System Access: Frontier provides initial training along with access to its proprietary internet-based claims management system, known as “FACTS”. Franchisees are required to use this system in accordance with guidelines from the Operating Manual. Frontier also supports and maintains the system.
FACTS System Training: While most training programs are optional, FACTS system training is mandatory. This includes using FACTS for all communications and documentation related to assignments. Training and access to this system are provided free of charge by the Franchisor.
Continuing Education Expectations: Franchisees are expected to maintain a level of continuing education and training comparable to that of experienced multi-line adjusters. This ensures competence and compliance with industry standards, although it is not enforced through a structured program.
Voluntary Training Programs: From time to time, the Franchisor may offer additional training programs or materials for the convenience of franchisees, although participation is not mandatory (except for FACTS).

Territory Protection

Frontier Adjusters does not offer exclusive territorial protection to its franchisees. The franchise is tied to an "advertised location," which serves only as a geographic label rather than granting any exclusive rights to the area.

Franchisees may use Frontier’s name only in relation to their designated advertised location.

Despite this, franchisees are permitted to solicit or accept business from clients outside of their designated territory. They can also use various channels like the internet or telemarketing to generate business beyond their advertised region.