Franopolis
    KI

    Keystone Insurers Services Group

    Franchise research report · reviewed 2025 disclosure data

    Researching Keystone Insurers Services Group franchise opportunities? Every figure below is cited to the FDD.

    Reviewed sources

    Keystone franchises operate as independent insurance agencies selling personal, commercial, health and other insurance products through carrier agreements negotiated by Keystone and its affiliates. Participating agents use the Keystone operating system and may receive carrier appointments, specialty insurance programs and access to negotiated supplier services, subject to carrier approval.

    Headline figures

    Keystone Insurers Services Group quick facts

    Is Keystone Insurers Services Group a franchise?
    Yes. Keystone Insurers Services Group offers franchises through a Franchise Disclosure Document. At the end of 2024, it reported 280 franchised and 22 company-owned outlets (2025 FDD, Item 20, PDF p. 48).
    How much does it cost to open a Keystone Insurers Services Group franchise?
    The Keystone Insurers Services Group Franchise Disclosure Document reports an estimated initial investment of $27,250–$99,200 (2025 FDD, Item 7, PDF p. 24). This is the franchisor's disclosed estimate, not a quote. Details
    How many Keystone Insurers Services Group locations are there?
    The FDD reports 302 outlets at the end of 2024 (2025 FDD, Item 20, PDF p. 48). Existing locations do not indicate territory availability. Details
    Is Keystone Insurers Services Group a good franchise to buy?
    Franopolis does not rate or recommend franchises. From the reviewed FDD: no reviewed Item 19 figures are on file here, so check the FDD's Item 19 directly; Item 20 lists outlet openings, closures and transfers; Item 6 lists every recurring fee beyond royalty; Item 20 also lists current and former franchisees you can contact. Review the full FDD with a franchise attorney and accountant before deciding.

    From reviewed FDD figures only. Not a recommendation or projection.

    What the disclosures show

    1. 1Opening costs are estimated at $27,250 – $99,200 in the 2025 FDD (Item 7); several initial fee options apply.
    2. 2Item 19 has not been reviewed yet.
    3. 3Outlets declined by 16 in 2024, to 302 (systemwide, as labeled in the FDD, Item 20).

    From reviewed FDD figures only. Not a recommendation or projection.

    Franchises under $50kOther brands whose disclosed Item 7 low end fits this budget.Compare outlet trendsPut Item 20 counts side by side with up to 3 other brands.

    Keystone Insurers Services Group head-to-head

    Closest peers in the same subcategory, side by side from reviewed FDD figures. Not a ranking or recommendation.

    KIKeystone Insurers Services GroupVSGlobalGreen Insurance Agency
    Compare head-to-head
    KIKeystone Insurers Services GroupVSGoosehead Insurance
    Compare head-to-head
    KIKeystone Insurers Services GroupVSRenegade Insurance
    Compare head-to-head
    KIKeystone Insurers Services GroupVSSelectquote Local Insurance Services
    Compare head-to-head

    Costs · Items 5–7

    What does it cost to open?

    Estimated opening costs and the fees payable to the franchisor.

    Startup Investment — Item 7

    Total estimated initial investment

    2025 FDD · Item 7 · PDF p. 24

    Ongoing Fees — Item 6

    Selected recurring charges; payment bases and conditions remain attached to each fee.

    77 reported fees, each with its payment basis, are listed below; they haven't been sorted into recurring, initial and occasional groups yet.

    Financial Performance — Item 19

    What results are disclosed—and for which locations?

    No financial performance representation in Item 19

    The reviewed 2025 FDD for Keystone Insurers Services Group has no Item 19 figures on record. Franopolis does not estimate revenue or earnings in their place; ask the franchisor and current owners what unit-level information they can share.

    Outlet Changes — Item 20

    How has the outlet count changed?

    systemwide, as labeled in the FDD · counts as of December 31, 2024 of each year.

    2025 FDD · Item 20 · PDF p. 48

    Net +17 outlets, 2022–2024

    0285202231820233022024+33−16

    Year-end counts reported in Item 20. The scale starts at zero, so the line looks nearly flat; the labels between the dots show each year's change. Openings and closures for 2024 haven't been pulled from the Item 20 tables yet, so no turnover or churn is shown.

    Questions to investigate

    Prompts based on what this brand's reviewed disclosures do and don't show — not conclusions. Join free as a member to save questions to your research.

    For the franchisor

    • Which line items in the 2025 Item 7 estimate ($27,250 – $99,200) vary most by market, and why?

    • Which initial fee option would apply to my situation, and what conditions or discounts affect it?

    • Does the current FDD include an Item 19 financial performance representation?

    • Reported units decreased from 318 to 302 in 2024. What drove the change?

    • Is a territory available in my area, and how is it defined in my agreement?

    For current and former owners

    • How did your actual startup costs and timeline compare with the Item 7 estimate?

    • How many hours a week do you work in the business, and in what role?

    • What support from the franchisor has been most and least useful?

    For your advisors

    • Ask a franchise attorney to review the territory, renewal, transfer and termination terms.

    • Ask an accountant to build a cash-flow plan using your own assumptions, not the franchisor's.

    Sources & vintage history

    Every displayed fact is retained with its disclosure vintage, item, page, and reviewed status. Prior vintages remain on file rather than being overwritten.

    Citations (2025 FDD)

    1. [1]Estimated initial investment — Item 7 · PDF p. 24
    2. [2]Outlet counts — Item 20, Table 1 · PDF p. 48

    "PDF p." is the page in the PDF file; "printed p." is the number printed on the FDD page.

    Territory & operations

    These are contract disclosures, not confirmation that any territory is currently available.

    Legal & agreement

    Franchisor financial statements

    Fiscal yearMeasureReported value
    2024keystone total assets at december 31, 2024$23,368,390
    2024keystone total liabilities at december 31, 2024$3,329,248
    2024keystone total equity at december 31, 2024$20,039,142
    2024keystone total revenue, year ended december 31, 2024$42,902,914
    2024keystone total expenses, year ended december 31, 2024$42,558,736
    2024keystone net income after taxes, year ended december 31, 2024$211,010
    2024keystone total cash at december 31, 2024$8,484,655
    2024keystone total current assets at december 31, 2024$12,068,744
    2023predecessor net income for year ended december 31, 2023$722,913
    2023predecessor total current assets at december 31, 2023$16,935,180
    2023predecessor total liabilities at december 31, 2023$16,499,571
    2023predecessor total stockholders’ equity at december 31, 2023$25,976,449

    These figures describe the franchisor company, not individual franchise locations.

    SBA-backed loans to franchisees

    Loading…

    Source: U.S. Small Business Administration 7(a) & 504 FOIA data. Loan volume is not a measure of franchisee success.

    Related research

    Brands in the same subcategory first, then the wider industry, ordered by shared business format and overlapping investment range. This is not a ranking or recommendation.

    GlobalGreen Insurance AgencyGoosehead InsuranceRenegade InsuranceSelectquote Local Insurance ServicesThe Doan GroupWe Insure LLC

    Head-to-head comparisons

    Keystone Insurers Services Group vs GlobalGreen Insurance AgencyKeystone Insurers Services Group vs Goosehead InsuranceKeystone Insurers Services Group vs Renegade InsuranceKeystone Insurers Services Group vs Selectquote Local Insurance ServicesKeystone Insurers Services Group vs The Doan GroupKeystone Insurers Services Group vs We Insure LLC
    Compare reviewed facts

    At a glance

    Business history

    Not reviewed

    Owner participation

    Not reviewed

    Territory language

    Litigation disclosure

    Not reviewed

    Bankruptcy disclosure

    Not reviewed

    Agreement term

    Not reviewed

    Reader notes on wording

    Our automated check found that these summaries may not match the FDD's exact wording. Read the FDD excerpt itself; it is the authoritative text. Core cost, fee, Item 19 and outlet figures are not affected.

    • Item 21 · PDF p. 76 · 2025 FDD

      Our summary: Predecessor net income for year ended December 31, 2022

      “Net income $ 197,049”

      Note: The quote did not match the cited PDF page; left pending for another look.

    • Item 21 · PDF p. 73 · 2025 FDD

      Our summary: Predecessor total current assets at December 31, 2022

      “Total current assets 18,171,218”

      Note: The quote did not match the cited PDF page; left pending for another look.

    • Item 21 · PDF p. 75 · 2025 FDD

      Our summary: Predecessor total stockholders’ equity at December 31, 2022

      “Total stockholders' equity 25,549,930”

      Note: The quote did not match the cited PDF page; left pending for another look.

    • Item 21 · PDF p. 75 · 2025 FDD

      Our summary: Predecessor total liabilities at December 31, 2022

      “Total liabilities 8,156,086”

      Note: The quote did not match the cited PDF page; left pending for another look.

    • Item 21 · PDF p. 76 · 2025 FDD

      Our summary: Predecessor total net revenue for year ended December 31, 2022

      “Total revenues, net 33,301,109”

      Note: The quote did not match the cited PDF page; left pending for another look.

    Independent analysis of franchisor-provided data. Not investment advice. Franopolis does not distribute FDDs.

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