About Keystone Insurers Group Franchise
Keystone Insurers Group is an insurance franchise network that brings together independent insurance agencies under a shared brand and support structure.
The organization provides member agencies with access to top rated insurance carriers, competitive products, and group purchasing power while allowing each agency to maintain its local identity and independent operations.
The franchise fee for joining Keystone Insurers Group is $20,000.
Keystone Insurers Group Franchise Cost & Fees
Minimum Investment
$27K
Average Investment
$63K
Maximum Investment
$99K
| Fee Type | Amount | Notes |
|---|---|---|
| Initial Franchise Fee | $20,000 | One-time payment upon signing |
| Royalty Fee | N/A | Ongoing; paid monthly |
| Total Investment Range | $27,250 – $99,200 | Includes build-out, inventory, working capital |
The investment range of $27K–$99K reflects variability in build-out costs, store size, lease terms, and market.
Investment Breakdown (Item 7)
| Item | Low | High |
|---|---|---|
| Initial Franchise Fee (Notes 1, 2) | $5,000 | $9,999,999 |
| Errors and Omission Insurance (Note 3) | $20,000 | $75,000 |
Additional Fees (Item 6)
| Fee Type | Amount |
|---|---|
| $1,000,000 – $9,999,999 | $5,000 |
| $10,000,000 – $14,999,999 | $7,500 |
| $15,000,000 – $19,999,999 | $10,000 |
| $20,000,000 – $24,999,999 | $12,500 |
| $25,000,000 – $29,999,999 | $15,000 |
| $30,000,000 – $39,999,999 | $17,500 |
| $40,000,000 and higher | $20,000 |
| Aggregate Profit Sharing Distribution Fee | 2% of the total profit sharing funds received from each Keystone Insurance Carri |
| Profit Sharing Penalty | If you are unprofitable (Note 5) with a carrier regarding profit sharing you sha |
| Individual Profit Sharing Distribution Fee | $200,000 |
| Bonus Distribution Fee | 15% of your Individual Bonus Distribution if your premium growth with a Keystone |
| Annuities Fee | 15% of your production bonuses (excluding commissions) earned on the sale of ann |
| Insurance Costs | $22,250 |
| Errors and Omission Insurance (Note 3) | $20,000 |
| Employee Dishonesty Insurance (Note 4) | $500 |
Territory Rights (Item 12)
| Detail | Information |
|---|---|
| Territory Type | exclusive |
Renewal, Termination & Transfer (Item 17)
| Detail | Information |
|---|---|
| Renewal Term | You may renew for additional 5-year terms if you have fully complied throughout the initial and subsequent terms. There is no renewal fee. |
| Termination for Cause | We can only terminate if you default. |
Keystone Insurers Group Franchise Earnings — Item 19
Keystone Insurers Group does not make an Item 19 financial performance representation in their FDD. This means they do not disclose revenue, profit, or earnings data for franchised locations. Before investing, ask the franchisor directly for franchisee contact information so you can speak with existing owners about their actual financial performance.
Keystone Insurers Group does not include an Item 19 financial performance representation in their FDD. Contact information for current and former franchisees is listed in Item 20 of the FDD.
Keystone Insurers Group Litigation & Risk Flags
Clean Litigation RecordKeystone Insurers Group has no pending litigation actions listed in their FDD. There is also no bankruptcy history disclosed.
Litigation and bankruptcy data is sourced from Items 3 and 4 of the FDD. Always verify current status directly from the most recent FDD.
Keystone Insurers Group System Growth
Total Units
277
Franchised
277
Company-Owned
0
Keystone Insurers Group currently operates 277 franchised locations and 0 company-owned units. Unit count data is sourced from Item 20 of the FDD.
Unit History (Item 20)
| Year | Opened | Closed | Total |
|---|---|---|---|
| 2019 | 277 | ||
| 2019 | 0 | ||
| 2019 | 277 | ||
| 2020 | 280 | ||
| 2020 | 0 | ||
| 2020 | 280 | ||
| 2021 | 274 | ||
| 2021 | 0 | ||
| 2021 | 273 |
Keystone Insurers Group Franchise — FAQ
The total investment to open a Keystone Insurers Group franchise ranges from $27,250 to $99,200, per their Franchise Disclosure Document. This includes the initial franchise fee of $20,000. The investment covers build-out, inventory, equipment, signage, working capital, and other startup costs.
Keystone Insurers Group charges a royalty fee of N/A of gross sales. These fees are paid on an ongoing basis.
You can download the Keystone Insurers Group Franchise Disclosure Document free on this page. The FDD is a public document filed with state franchise registries. Always also request the current FDD directly from Keystone Insurers Group to ensure you have the most up-to-date version.
Keystone Insurers Group does not provide an Item 19 financial performance representation in their FDD, which means they do not disclose franchisee revenue or earnings data. Prospective investors should contact existing franchisees directly (listed in Item 20 of the FDD) to gather real-world financial performance information.
Keystone Insurers Group has been offering franchise opportunities. The FDD shows an investment range of $27,250-$99,200, a N/A royalty, and includes an Item 19 earnings disclosure. There is no pending litigation. Review the full FDD and contact current franchisees listed in Item 20 before making any investment decision.
The franchise fee is $20,000 and the total investment ranges from $27,250 to $99,200 depending on location size and market. Contact the franchisor directly for current net worth and liquid capital requirements, territory availability, and application details.
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Data Source & Disclaimer: This website is for informational purposes only. It is not an offer to sell or buy a franchise. This profile is based on publicly available FDD data sourced from state franchise registry filings. All information is for research purposes only and does not constitute legal, financial, or investment advice. Data may be outdated or contain errors. Always obtain the current FDD directly from Keystone Insurers Group and consult a qualified franchise attorney before making any investment decision. FranchiseOverview.com is operated by Franchising Compliance, LLC and is not affiliated with Keystone Insurers Group or any of its subsidiaries. To report an inaccuracy: info@franchiseoverview.com