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.

Training

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

1. 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.
2. 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.
3. 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.
4. 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.