Loading FDD preview...
Download this + 1,700 other FDDs · One-time purchase
1,700+ FDDs structured for franchise professionals
We extract fees, Item 19 financials, franchisee contacts, SBA default rates, litigation, and outlet data from every FDD — so you can compare brands in minutes, not months. Used by multi-unit operators, consultants, and franchise development teams.
Frontier Adjusters
Frontier Adjusters, Inc. is a franchisor that offers independent claims adjusters' franchises providing services including inspections, appraisals, estimates, third-party claims administration, risk management services, and investigations. The business model grants franchisees territorial rights to deliver these Franchised Services on behalf of insurance companies and self-insured entities. The target market consists of insurance companies, third-party claim administrators, and self-insured companies throughout the United States, where franchisees compete with other independent adjusters.
Loading preview...
Download this + 1,700 other FDDs · One-time purchase
Franchise Costs
15% royalty + up to 1% marketing fund (currently not charged) + up to 1% technology fee (currently not charged) + $48-72/mo E&O insurance (avg $575-861/yr)
Financial Performance
Item 19 Financial Performance
Data Based On: 548,527 advertised locations operational for the full fiscal year 2022-2023, owned and operated by 9,996 Frontier franchisees.
* Extracted revised gross billings per outlet data directly from the 'Annual Gross Billings - Gross Billings per Outlet' table in Item 19. The provided text explicitly states that 'amounts included hereinin this Item 19 do not reflect the costs of sales, operating expenses, or other costs or expenses that must be deducted from the gross revenue or gross sales figure to obtain your net income or profit', thus net income, profit, and EBITDA metrics are not available and cannot be estimated.
Extracted Item 19 Section
Avg. Revenue: $55,516
Unlock financial performance data with full access to 1,700+ franchise reports
Unlock financial performance dataFrontier Adjusters Franchise Analysis
Claims adjusting stands as a resilient niche where disasters fuel demand, and Frontier Adjusters positions franchisees at the front lines with exclusive territories for insurers and self-insured firms. Parent company Davies US Inc. oversees a network that's dodged litigation pitfalls per the FDD. Item 19 delivers gross revenue snapshots for existing units, while sparse but telling SBA loan data sparks questions: does this low-entry model promise steady income or expose operators to overlooked volatility?
Entry barriers are refreshingly low according to Item 7, with a $15,000 franchise fee folding into a total cash investment of $21,500-$30,450—no hefty buildouts, ideal for home-based operators targeting insurance giants. Ongoing fees include a steep 15% royalty on gross revenues, potential 1% marketing and technology contributions (waived for now), and $48-$72 monthly E&O insurance averaging $575-$861 annually. Item 19 financials reveal average gross sales of $55,516 but a median of $36,189, underscoring performance variance; without net profit disclosure, high royalties could squeeze margins thin unless claims volume surges.
System vitality shows cracks: 527 active locations follow a -3% contraction from 690 units in 2021 to 666 in 2022, with just 4 new units projected. Item 20 logs 64 terminations against 58 transfers, hinting at operator exits and resales amid stagnation. SBA financing is rare—only 2 loans averaging $230,000—but a 50% default rate screams caution for leveraged buyers. Prospective investors should drill into Item 19 footnotes for revenue context, canvass recent transferees on territory saturation, and model scenarios around the median sales figure to gauge true earning potential.
Analysis based on the 2024 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.
How Frontier Adjusters Compares
Key Insights
- Lower investment than 90% of Business Services franchises
- Lower than average SBA loan default rate in Business Services
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
Frontier Adjusters Current | $22K – $30K | $15K | 15.0% | 527 |
| Bimbo Foods Bakeries Distribution, LLC | $14K – $607K | N/A | N/A | 6,454 |
| THE UPS STORE (TRADITIONAL) | $216K – $609K | $30K | 5.0% | 4,500 |
| RE/MAX | $37K – $337K | $35K | 1.0% | 2,994 |
| JACKSON HEWITT TAX SERVICE | $71K – $105K | $25K | 15.0% | 2,744 |
| CRUISE PLANNERS | $2K – $21K | $11K | 3.0% | 2,655 |
Business Services Average 198 franchises | $121K – $289K | $47K | 10.2% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 198 Business Services franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2022)
Outlets by state across the United States
+36 more states
Unlock location growth data with full access to 1,700+ franchise reports
Unlock location growth dataSBA Loan History
Historical SBA 7(a) loan data for Frontier Adjusters franchisees (2015 – 2018)
Loans by Year
SBA 7(a) loan activity over time
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
2 SBA loans on record
Unlock SBA loan history with full access to 1,700+ franchise reports
Unlock SBA loan historyFranchisee Contacts
907 franchisee contacts on file from official FDD filings.
907 Contacts Available
Unlock all Frontier Adjusters franchisee contacts with verified contact information
Unlock contactsDue Diligence
Litigation (Item 3)
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Unlock due diligence reports with full access to 1,700+ franchise reports
Unlock due diligence reportsFrequently Asked Questions
The total initial investment to open a Frontier Adjusters franchise ranges from $21,500 to $30,450. This includes a franchise fee of $15,000. Ongoing royalty fees are 15.0% of gross sales.
More Services Franchises
THE UPS STORE (TRADITIONAL)
Services
AMERIPRISE FINANCIAL SERVICES LLC
Services
JACKSON HEWITT TAX SERVICE
Services
SERVPRO (UNIT)
Services
H&R BLOCK
Services
SERVICEMASTER RESTORE
Services