Keystone Insurers Group LLC Franchise
Cost, fees, owner earnings, closure rate and litigation for a Keystone Insurers Group LLC franchise — pulled from the franchisor's own public FDD (2025), not its sales material.
Disclosure honesty
Keystone Insurers Group LLC discloses little or no owner-earnings data (Item 19) — the franchisor won't put real profit in writing.
What their own earnings claim actually says
No financial performance representations made. Franchisor explicitly disclaims any representations about franchisee future or past outlet financial performance.
What a Keystone Insurers Group LLC franchise actually costs to run
| Fee | Disclosed | Where it comes from |
|---|---|---|
| Initial franchise fee | $5,000 | Item 5 — paid up front, before you open |
| Total initial investment | $27,250 – $99,200 | Item 7 — franchisor's own low/high estimate |
Monthly service fee $881-$3,524+ based on gross premium. Multiple contingency/bonus distribution fees (2-15%). Insurance costs $37-$99K annually.
Royalty and ad-fund percentages are charged on gross sales — an owner pays them whether or not the location is profitable.
Keystone Insurers Group LLC system size and owner turnover
| Total outlets | 302 |
| Ceased operations | 4 |
| Terminated by franchisor | 17 |
| Transferred to new owners | 13 |
| Closure rate | 1.3% of outlets |
2024: 17 terminations, 4 ceased operations, 5 reacquired by franchisor. Volatility evident.
From Item 20 of the FDD 2025. Terminations and ceased operations are the franchisor's own count of owners who stopped — the number the sales pitch leaves out.
Is Keystone Insurers Group LLC worth it? — how it compares to 436 similar franchises
| Startup cost | from $27,250 | cheaper than most (median $138,750) |
| Disclosure honesty | Grade F | less honest than most of the category |
| Closure rate | 1.3% of outlets | about average |
| Disclosed lawsuits | 2 | more litigious than 68% of peers |
Benchmarked against every other franchises franchise we've graded from public FDDs — the context the franchisor's pitch never gives you.
Owner take-home for a Keystone Insurers Group LLC
The franchisor's framing: No financial performance representations made. Franchisor explicitly disclaims any represe… We reconstruct what an owner actually keeps, from their own FDD.
- Reconstructed owner P&L — net take-home after royalty, ad fund, rent, labor & debt
- Break-even timeline + cash-on-cash ROI
- Full fee stack + required-purchase markups
- Decoded real failure / closure rate
- How it ranks vs comparable franchises
- Validation-call playbook — the exact questions to ask
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Keystone Insurers Group LLC franchise — frequently asked
- How much does a Keystone Insurers Group LLC franchise cost?
- The FDD lists a total initial investment of about $27,250–$99,200, including a $5,000 initial franchise fee.
- How much do Keystone Insurers Group LLC franchise owners make?
- Keystone Insurers Group LLC discloses little or no earnings data (Item 19) — meaning the franchisor won't put real owner profit in writing. That's a red flag worth questioning.
- What are the Keystone Insurers Group LLC franchise fees?
- Keystone Insurers Group LLC's FDD discloses a $5,000 initial franchise fee. Monthly service fee $881-$3,524+ based on gross premium. Multiple contingency/bonus distribution fees (2-15%). Insurance costs $37-$99K annually.
- What is the Keystone Insurers Group LLC franchise profit margin?
- Keystone Insurers Group LLC discloses no Item 19 earnings representation, so no profit margin can be derived from the FDD at all. Any margin figure quoted elsewhere is an estimate, not a disclosure.
- What is the Keystone Insurers Group LLC franchise failure rate?
- 2024: 17 terminations, 4 ceased operations, 5 reacquired by franchisor. Volatility evident.
- How many Keystone Insurers Group LLC locations are there?
- Keystone Insurers Group LLC's FDD reports 302 total outlets, with 4 that ceased operations in the most recent reporting year and 13 transferred to new owners. Item 20 is where system health shows up before the marketing does.
- Does Keystone Insurers Group LLC have complaints or lawsuits?
- Keystone Insurers Group LLC discloses 2 legal matters in Item 3 of its FDD. Item 3 covers the franchisor's litigation history, which is the closest thing to a public record of how it treats franchisees — read the case descriptions, not just the count.
- Is a Keystone Insurers Group LLC franchise worth it?
- It depends on the numbers, not the pitch. Keystone Insurers Group LLC scores F on disclosure honesty, and discloses 2 legal matters. Get the real owner take-home before you sign.
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Source: WI DFI Franchise Registration (2025). FranchiseValidate is independent and not affiliated with Keystone Insurers Group LLC or its franchisor. Figures are extracted from the franchisor's own public disclosure document; verify against the current FDD before any decision.