Keystone Insurers Services Group Franchise FDD, Profits & Costs (2025)
Keystone Insurers Group was established in 1983 in Central Pennsylvania through the partnership of four independent insurance agencies that united to expand their reach and pool resources.
Headquartered today in Northumberland, Pennsylvania, the organization has grown into one of the largest privately owned insurance agency networks in the nation.
The group provides a broad spectrum of services such as property and casualty coverage, employee benefits, financial solutions, and risk management. Its model enables independent agencies to access national carriers, specialized programs, and advanced technology while preserving their local brand and independence.
Keystone’s strength lies in its cooperative approach. Partner agencies gain from shared knowledge, joint initiatives, and collective bargaining power. In 2024, the company entered a new chapter when it was acquired by Keystone Agency Partners.
Initial Investment
How much does it cost to start a Keystone Insurers Services Group franchise? It costs on average between $27,000 – $99,000 to start a Keystone Insurers Services Group franchised facility.
This includes costs for office setup, technology systems, licensing, and initial operating expenses. The exact amount will vary depending on factors such as the size of the territory, office location, and whether the franchisee decides to lease or purchase office space.
| Type of Expenditure | Amount |
|---|---|
| Initial Franchise Fee (Franchisees with $1,000,000 to $9,999,999 in gross written premium) | $5,000 |
| Initial Franchise Fee (Franchisees with $10,000,000 to $14,999,999 in gross written premium) | $7,500 |
| Initial Franchise Fee (Franchisees with $15,000,000 to $19,999,999 in gross written premium) | $10,000 |
| Initial Franchise Fee (Franchisees with $20,000,000 to $24,999,999 in gross written premium) | $12,500 |
| Initial Franchise Fee (Franchisees with $25,000,000 to $29,999,999 in gross written premium) | $15,000 |
| Initial Franchise Fee (Franchisees with $30,000,000 to $39,999,999 in gross written premium) | $17,500 |
| Initial Franchise Fee (Franchisees with $40,000,000 and above in gross written premium) | $20,000 |
| Errors and Omission Insurance | $30,000 to $85,000 |
| Combined Employee Dishonesty and Employee Practices Liability Insurance | $3,000 to $6,000 |
| Cyber Insurance | $4,000 to $8,000 |
| Total | $27,250 to $99,200 |
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Frequently Asked Questions
How many Keystone Insurers Services Group locations are there?
Keystone Insurers Services Group has about 274 franchise-owned locations and no company-owned units.
What is the total investment required to open a Keystone Insurers Services Group franchise?
The total investment required to open a Keystone Insurers Services Group franchise ranges from $27,000 to $99,000.
What are the financial requirements to become a Keystone Insurers Services Group franchisee?
To qualify as a Keystone Insurers Services Group franchisee, you must have a minimum of $10,000 in liquid capital available to invest.
Who owns Keystone Insurers Services Group?
Keystone Insurers Services Group is owned by Keystone Agency Partners.
Disclaimer
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