Description
Frontier Adjusters is one of the most recognized and trusted independent claims adjusting franchises in North America. For more than six decades, the brand has built its reputation on professionalism, dependability, and unmatched service to insurance companies, self-insured corporations, and third-party administrators. With a proven business model and strong industry credibility, Frontier Adjusters offers franchisees the opportunity to own a respected business in the multi-billion-dollar insurance services sector.
Operating as the nation’s largest independent adjusting franchise network, Frontier Adjusters provides end-to-end claim handling solutions—ranging from property and casualty claims to auto, heavy equipment, and liability assessments. Franchisees benefit from the brand’s established relationships with major insurance providers, access to national accounts, and extensive corporate resources that make business ownership efficient, scalable, and profitable.
Whether you’re an experienced adjuster looking to build your own firm or an entrepreneur seeking a recession-resistant business, Frontier Adjusters provides a pathway to success backed by legacy, technology, and trust.
Why Invest in this Franchise?
Investing in a Frontier Adjusters franchise means joining a nationally recognized network with deep roots in the insurance services industry. Unlike other franchises that rely on unpredictable consumer trends, this business thrives in all economic climates—because insurance claims are a constant need.
Frontier Adjusters offers:
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National Brand Recognition – Trusted by top insurance carriers for over 60 years.
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Established Client Base – Access to existing relationships with major national and regional insurers.
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Recession-Resistant Industry – Consistent demand driven by weather events, accidents, and property claims.
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Low Overhead Model – Operate from home or a small office, keeping expenses minimal.
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Comprehensive Training and Support – Designed to help even those new to adjusting succeed.
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Scalable Growth Potential – Expand your territory, hire additional adjusters, and grow your business over time.
Background
Established Year: 1957
Founders: Bob and Dottie Davis
Headquarters: Phoenix, Arizona, USA
Current Franchise Units: Over 600 territories across the United States and Canada
Parent Company: Crawford & Company
Frontier Adjusters was founded in 1957 by Bob and Dottie Davis with a clear mission—to provide consistent, professional, and trustworthy insurance claims adjusting services across North America. At a time when the insurance industry was fragmented and dependent on local adjusters with varying standards, the Davises envisioned a network that would deliver uniform quality and reliability from coast to coast.
What started as a small, independent operation soon evolved into the largest franchised network of independent insurance adjusters in the United States and Canada. Frontier Adjusters became synonymous with integrity, dependability, and professionalism—values that remain at the core of its brand identity even after more than six decades.
In 2014, Frontier Adjusters was acquired by Crawford & Company, one of the world’s leading providers of claims management and outsourcing solutions. This acquisition strengthened Frontier’s resources, expanded its access to global insurance clients, and introduced new technologies that modernized the claims process for franchise owners.
Today, Frontier Adjusters franchisees handle thousands of property, casualty, and auto claims annually, working with top-tier insurance carriers, third-party administrators, and corporate clients. The franchise’s operations model allows individuals to run their own business with low overhead costs, supported by a nationally recognized brand and a robust corporate infrastructure.
The company’s strong reputation, combined with long-term industry partnerships, makes Frontier Adjusters a trusted leader in the insurance services industry. With a stable business model, ongoing training, and a proven system, franchisees can build a sustainable and respected business in a growing and recession-resistant sector.
Support Training
Frontier Adjusters’ franchisees benefit from one of the most comprehensive training and support programs in the insurance services sector.
Pre-Launch Support:
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Detailed startup guidance covering licensing, territory setup, and business registration.
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Access to the Frontier online operations manual and startup checklist.
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Assistance with obtaining necessary certifications and insurance adjuster licenses.
Initial Training:
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Intensive onboarding sessions held at Frontier’s headquarters or virtually.
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In-depth training on claims handling, reporting, estimating software, and customer service.
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Field training with experienced franchise operators to learn real-world best practices.
Ongoing Operational Support:
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Continuous education on new industry regulations, claim processes, and technology updates.
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Access to proprietary claims management systems and centralized dispatch.
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National account assignments from insurance carriers.
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Marketing materials, website listings, and digital advertising support to attract clients.
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A dedicated franchise operations manager to assist with business growth strategies.
This robust support framework ensures franchisees are equipped to handle claims effectively, maintain compliance, and grow a professional, respected local business.
Ideal Candidate
The Frontier Adjusters franchise model is ideal for professionals who value independence, integrity, and relationship-driven business.
Best Suited For:
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Licensed or aspiring insurance adjusters seeking to operate their own firm.
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Entrepreneurs looking for a home-based or low-overhead business model.
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Veterans and former law enforcement professionals with investigative and administrative skills.
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Business-minded individuals with strong communication and customer service skills.
Preferred Attributes:
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Attention to detail and accuracy in reporting.
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Willingness to learn the technical aspects of claims management.
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Desire to build long-term relationships with insurance carriers and clients.
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Financial capability to invest in training, licensing, and startup costs.
Location Preference:
Franchise territories are available throughout the United States, with priority given to underserved regions where claim volumes are high, such as storm-prone and high-population states.
Financial Detail
| Category | Estimated Amount (USD) | Details / Notes |
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| Initial Franchise Fee | $25,000 – $35,000 |
One-time fee granting rights to operate under the Frontier Adjusters brand and territory.
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| Total Initial Investment | $45,000 – $75,000 | Includes franchise fee, training, startup supplies, insurance, and working capital. |
| Minimum Liquid Capital Required | $25,000 |
Needed to cover initial setup, licensing, and early operational expenses.
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| Net Worth Requirement | $75,000+ | Recommended financial stability for new franchisees. |
| Royalty Fee | 10% of gross revenue |
Ongoing fee to cover brand use, technology, and network support.
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| Marketing & Technology Fee | 1–2% of gross revenue | Covers national marketing programs, website listings, and software systems. |
| Training & Onboarding Cost | $2,000 – $5,000 |
Covers travel, lodging, and initial education during the onboarding period.
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| Equipment & Software Setup | $3,000 – $6,000 | Includes computer, printer, mobile tools, and claim management software. |
| Office Setup (Home or Small Office) | $1,000 – $3,000 |
Low-overhead model; many franchisees operate from a home office.
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| Insurance & Licensing Fees | $2,000 – $4,000 | Required for professional liability and adjuster licensing. |
| Working Capital (3–6 months) | $10,000 – $15,000 |
To cover operating costs during the startup phase.
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| Average Annual Revenue Potential | $150,000 – $400,000+ | Varies by territory size, claim volume, and experience. |
| Expected ROI Period | 18 – 24 months |
Based on average claim volume and client retention.
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| Break-Even Point | Typically within 12 – 18 months | Depending on business activity and client acquisition rate. |
| Potential Revenue Streams | N/A |
Property claims, auto claims, liability assessments, heavy equipment inspections, catastrophe claims, and specialty services.
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