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    Franchise opportunities compared

    Keystone Insurers Services Group vs Liberty Tax Service

    Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.

    KIKeystone Insurers Services Group2025 FDDLiberty Tax Service2026 FDD

    Initial investment · Item 7

    Keystone Insurers Services Group

    $27,250 – $99,200

    2025 FDD · Item 7 · PDF p. 24

    Liberty Tax Service

    $49,700

    2026 FDD · Item 7 · PDF p. 31

    Initial franchise fee · Item 5

    Keystone Insurers Services Group

    Not available

    Liberty Tax Service

    $25,000

    2026 FDD · Item 5 · PDF p. 26

    Royalty · Item 6

    Keystone Insurers Services Group

    Not available

    Liberty Tax Service

    14%

    2026 FDD · Item 6 · PDF p. 27

    Before you compare

    • Keystone Insurers Services Group figures come from its 2025 FDD and Liberty Tax Service figures from its 2026 FDD, so the years differ.
    • Only Liberty Tax Service has reviewed Item 19 figures here.

    Financial commitment

    Estimated initial investment (Item 7)

    Keystone Insurers Services Group

    $27,250 – $99,200
    Estimated initial investment total range
    2025 FDD · Item 7 · PDF p. 24

    Liberty Tax Service

    $49,700
    Charge As incurred Suppliers, Utilities, etc. TOTAL FOR A SINGLE FRANCHISE AGREEMENT — 49700
    2026 FDD · Item 7 · PDF p. 31
    Standard initial franchise fee (Item 5)

    Keystone Insurers Services Group

    Not available
    No single standard fee identified

    Liberty Tax Service

    $25,000
    2026 FDD · Item 5 · PDF p. 26
    Royalty (Item 6)

    Keystone Insurers Services Group

    Not available
    No reviewed royalty record

    Liberty Tax Service

    14%
    OTHER FEES* Fee Amount Due Date Remarks Royalties — 14%
    2026 FDD · Item 6 · PDF p. 27
    Brand / advertising fund (Item 6)

    Keystone Insurers Services Group

    Not available
    No reviewed brand or advertising fund fee

    Liberty Tax Service

    2%
    id paying royalties and advertising fees on said returns. Holdover Fee An additional — 2% — 2%
    2026 FDD · Item 6 · PDF p. 29

    System scale & health

    Total outlets (Item 20)

    Keystone Insurers Services Group

    302
    Outlets at end of 2024
    2025 FDD · Item 20 · PDF p. 48

    Liberty Tax Service

    1,663
    Outlets at end of 2025
    2025 FDD · Item 20 · PDF p. 65
    Net outlet change (Item 20)

    Keystone Insurers Services Group

    +17
    Calculated: 285 at end of 2022 → 302 at end of 2024

    Liberty Tax Service

    −442
    Calculated: 2,105 at end of 2022 → 1,663 at end of 2025
    Outlet exits (Item 20)

    Keystone Insurers Services Group

    Not available
    No complete exit records for a year

    Liberty Tax Service

    Not available
    No complete exit records for a year
    Franchising since (Item 1)

    Keystone Insurers Services Group

    Not available
    Not in reviewed records

    Liberty Tax Service

    1997
    From a verified franchisor listing
    Franchisor founded (Item 1)

    Keystone Insurers Services Group

    Not available
    Not in reviewed records

    Liberty Tax Service

    Not available
    Not in reviewed records

    Financial performance (Item 19), by location group

    KIKeystone Insurers Services Group

    No reviewed Item 19 figures

    Liberty Tax Service
    Locations counted not stated in the reviewed record
    $164,860
    other Netprepfees
    2026 FDD · Item 19 · PDF p. 60

    Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.

    Keystone Insurers Services Group vs Liberty Tax Service: common questions

    Which costs less to open, Keystone Insurers Services Group or Liberty Tax Service?
    Keystone Insurers Services Group: $27,250 – $99,200 (2025 FDD · Item 7 · PDF p. 24); Liberty Tax Service: $49,700 (2026 FDD · Item 7 · PDF p. 31). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Keystone Insurers Services Group. Estimates are not quotes, and the FDD years may differ.
    Which has more locations, Keystone Insurers Services Group or Liberty Tax Service?
    Keystone Insurers Services Group: 302 (2025 FDD · Item 20 · PDF p. 48); Liberty Tax Service: 1,663 (2025 FDD · Item 20 · PDF p. 65). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
    Do Keystone Insurers Services Group and Liberty Tax Service disclose financial performance (Item 19)?
    Keystone Insurers Services Group has no reviewed Item 19 figures on file; Liberty Tax Service has reviewed Item 19 figures for 1 location group. Different location groups are not directly comparable, and revenue is not profit.

    Answers restate the reviewed figures above. Not a ranking or recommendation.

    How Franopolis reviews FDD figures

    Keep researching

    KI

    Full Keystone Insurers Services Group report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

    Full Liberty Tax Service report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

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    FDD glossary

    Plain-language meaning of each Item