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From the filings

+12.044% units YoY

Keystone Insurers Group

Financial services

Keystone Insurers Group is an insurance-agency franchise headquartered in Pennsylvania, with 307 franchised agency outlets concentrated in Pennsylvania, North Carolina, Ohio, Kentucky and Georgia, and a 5-year initial term. Item 8 requires franchisees to place a required percentage of premiums with Keystone Insurance Carriers, while the rest of the book can go to any other carrier.

For software vendors selling into US franchise brands.

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Total units
304
285 franchised
Unit growth YoY
+12.044%
vs prior filing
AUV
—
Item 19, 2024
Royalty
—
of gross sales
Ad fund
—
national + local
Initial fee
$5K
per unit
Investment range
$42K–$119K
all-in, Item 7
Procurement
Approved supplier
from the filing
Non-compete
2 years
from the filing
Item 19
No claims
from the filing

Franchisor behaviours

What the franchisor requires

10 requirements the franchisor states in this filing, each in its own words; 11 explicit no's; 13 questions the text does not settle, which is not a no.

Accounting

Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?

Yes

Item 8

You are required to submit the following to us by August 31 of each year: - An income statement and balance sheet for your most recent fiscal year-end, as compiled by a certified public accountant and prepared in accordance with generally accepted accounting principles, OR - Internally generated income statement and…

How the franchisor buys

Is the franchisor or an affiliate itself a supplier of required products, services or systems?

Yes

Item 8

Insurance Placement Services, a wholly-owned subsidiary of Keystone, provides property/casualty products and risk management services to large commercial clients internationally.

Does the franchisor reserve the right to change designated suppliers or systems at any time?

Yes

Franchise agreement

1 (April 30, 2024) substitute insurance carriers, programs, procedures, systems, services, activities and products. e.

Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?

Yes

Item 8

Depending on the arrangements, we may derive revenue from your purchase of any such goods or services.

Item 8 gives this proportion in one of two shapes: separate percentages for establishing the business and for operating it, or one figure covering "establishing and operating" together. Where they are separate, answer with the operating percentage; where the passage gives only the combined figure, answer with that. What percentage of the franchisee's purchases must come from designated or approved suppliers?

0

Item 8

The estimated proportion of all required purchases by you to all other purchases by you in establishing and operating the Keystone Franchised Business is 0% to 2%.

Data and IT

Must the franchisee comply with PCI, data-security or cybersecurity standards set by the franchisor?

Yes

Item 7

You are required, at your own expense, and prior to commencing the Keystone Franchised Business, to obtain, and maintain in full force and effect throughout the term of the Franchise Agreement from an insurance carrier with a Best’s A rating or better, network security and privacy (cyber) liability insurance covering…

Franchise management

Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?

Yes

Item 9

8 s. Inspections and audits 7h;

Can the franchisor change the operations manual and brand standards unilaterally?

Yes

Item 11

The Operating Manual may be modified at any time.

Payments

Are royalties and other fees collected by automatic bank debit (ACH or electronic funds transfer) from the franchisee's account?

Yes

Franchise agreement

Franchisee agrees to establish an arrangement for electronic funds transfer by and between Franchisor and Franchisee for any payments or fees owed or payable by Franchisee or Franchisor under this Agreement.

Training

Can the franchisor charge the franchisee for additional, refresher or remedial training?

Yes

Item 6

We may periodically offer training specific to an insurance product.

The filing answers no to 11 questions
  • Does the franchisor have direct or independent electronic access to the franchisee's financial, sales or customer records?Franchise agreement
  • Must the franchisor approve the franchisee's site or location before opening?Item 11
  • Is a minimum grand opening advertising spend required?Item 11
  • Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?Item 11
  • Must the franchisee participate in a regional advertising cooperative when one exists?Item 11
  • Must the franchisee buy products from a designated distributor?Item 8
  • Must equipment be purchased from designated or approved suppliers?Item 8
  • Does the franchisor require minimum staffing levels or specific roles?Franchise agreement
  • Must the franchisee use a specific point-of-sale system designated or approved by the franchisor?Item 11
  • Must the franchisee use a CRM system designated or approved by the franchisor?Item 11
  • Is attendance at an annual convention or conference mandatory for the franchisee?Item 11

The vendor opportunity at Keystone Insurers Group Keystone Insurers Group is a Pennsylvania-headquartered insurance-agency franchise, part of Keystone Agency Partners, with 307 franchised agency outlets concentrated in Pennsylvania, North Carolina, Ohio, Kentucky and Georgia and a 5-year initial term. Item 19 makes no financial performance representation.

Tech named in the FDD, and what is actually required Keystone Insurers Group's Item 8 procurement language centers on insurance placement rather than named software or hardware: franchisees must procure required insurance coverage only from a carrier with a Best's A rating or better. Item 11 of the FDD sets the franchise's technology requirements; review the filing below for that language directly.

Procurement, renewals, and timing Franchisees must place a required percentage of gross written premiums with Keystone Insurance Carriers under Keystone Insurance Carrier Contracts, while the remaining book of business may go to other carriers without Keystone's approval; other purchases like advertising and financial statements carry standards or approval requirements but no mandatory supplier. Renewal for an additional 5-year term requires full compliance throughout the prior term, 6 months' notice before expiration, and potentially a new agreement with materially different terms.

How to read the Keystone Insurers Group FDD The embedded PDF viewer below carries Keystone Insurers Group's 2024 Franchise Disclosure Document in full — Items 7, 8, 17 and 19 hold the insurance, procurement, renewal and financial-performance language summarized here. Talk to FranCloud for a ranked target list across the rest of the franchise universe.

Questions vendors ask

Keystone Insurers Group, answered from the filing

CEO Patrick Kinney, CFO Tony Rossi and Chief Development Officer Beth Bedisky lead Keystone Insurers Group's franchisor entity, part of Keystone Agency Partners. Item 11 of the FDD sets the franchise's technology requirements; review the filing below for the exact language.
Item 11 of the FDD sets Keystone Insurers Group's technology requirements; review the filing below for the exact language.
Keystone Insurers Group's network ran 307 franchised agency outlets at the end of 2023, concentrated in Pennsylvania, North Carolina, Ohio, Kentucky and Georgia.
Keystone Insurers Group requires franchisees to place a required percentage of gross written premiums with Keystone Insurance Carriers under Keystone Insurance Carrier Contracts; the remaining book of business may go to other insurance companies without Keystone's approval.
Item 17 allows renewal for additional 5-year terms if a franchisee has fully complied throughout its term, with 6 months' notice before the initial term expires and, potentially, a new agreement with materially different terms.
The embedded PDF viewer below carries Keystone Insurers Group's 2024 Franchise Disclosure Document in full. Items 7, 8 and 17 hold the insurance, procurement and renewal language referenced on this page.
Source

Read the filing itself

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Keystone Insurers Group2024 FDDView only

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Operator footprint

Who runs the locations

282 operators run 291 mapped locations. 8 of them are multi-unit. Aggregate counts from the filing; no names.

Operators by units owned

Single-unit274
2–9 units8

Top states by locations

PA56
NC33
OH25
KY24
GA22

Ownership

The portfolio behind Keystone Insurers Group

unknown of keystone agency partners.

Related Financial services brands

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Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.