What Frontier Adjusters does

Frontier Adjusters is a national franchise network of independent, multi-line field claims adjusters serving the US property and casualty insurance industry. Founded in 1957 and headquartered in Lakewood Ranch, Florida, the company operates through more than 500 franchised offices spanning all 50 US states, with a Phoenix-based Customer Service Center that routes assignments to the nearest qualified franchisee. Its service portfolio covers three core claim categories — Property (commercial/homeowner, third-party property, construction defect, appraisal clause disputes, CAT response), Casualty (general liability, commercial transportation with 24/7 on-scene response, workers' comp field investigation, mediation/trial monitoring, skip trace), and Physical Damage (vehicle appraisal handling 20,000+ auto claims annually, heavy equipment, diminished value, and international claim services via parent Davies). The company is wholly owned by Davies, a UK-based specialist professional services and technology firm that acquired Frontier in 2019 as part of its US claims platform expansion.

The technology backbone is FACTS (Frontier Adjusters Claim Tracking System), a proprietary claims management platform connecting every local franchise office to the centralized Customer Service Center for file management, document handling, and performance monitoring. Layered on FACTS is an AI and automation suite (intelligent loss intake, workflow management, integrated reporting, claim tracking), mobile-responsive field platforms, and an online client portal with a 99.9% uptime SLA for vehicle appraisal and claim assignment submission. Information security is anchored by ISO 27001 certification. The company has publicly committed to a more than four-fold increase in annual innovation and digital transformation investment and appointed dedicated innovation leadership in 2020.

Commercially, Frontier operates a B2B enterprise model targeting insurance carriers, third-party administrators, self-insured entities, transport companies, and governmental agencies, with revenue derived from per-claim professional service fees passed through the franchise network and franchise/royalty fees paid by owner-operators for brand, systems, and national account access. The franchisee base averages 15+ years of multi-line claims experience, and franchisees receive centralized marketing, IT, financial, and administrative support. The business is now positioned as the US field-adjusting arm of Davies' broader insurance services platform, which spans the UK, Ireland, Bermuda, the US, and Canada with over 3,700 colleagues and 600+ clients globally.

Name

Frontier Adjusters

Legal name

Frontier Adjusters

Website

https://frontieradjusters.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Frontier Adjusters is a US national franchise network of independent multi-line field claims adjusters serving property and casualty insurers, TPAs, self-insureds, and government entities across all 50 states, operating since 1957 and now part of Davies.

Ownership category

akta.pro rank

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Claims Adjusting Services: Professional fee-based services for property, casualty, and physical damage claims adjusting. Services rendered through franchised independent adjusters to insurance carriers, TPAs, self-insured entities, and governmental agencies. Revenue derived from per-claim assignments across property, casualty, and auto appraisal categories.
2. Franchise Fees: Franchise-based business model where independent adjusters pay franchise fees for brand access, systems, support, and national account contracts.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Frontier Adjusters operates a national franchise network of independent, multi-line field claims adjusters serving the property and casualty insurance industry. The company handles property, casualty, and physical damage claims on behalf of insurance carriers, TPAs, self-insured entities, and governmental agencies through 500+ franchised offices connected by the proprietary FACTS claims management system.

Product overview

Frontier Adjusters is a national franchise network of independent, multi-line field claims adjusters serving the property and casualty insurance industry since 1957. The company operates a hub-and-spoke model with a Phoenix-based Customer Service Center connected to over 500 franchised offices across all 50 US states through its proprietary FACTS claims management system. The core product portfolio includes the FACTS claims management platform for monitoring claim assignments, mobile platforms for field operations, and an online client portal for submitting vehicle appraisals and general claim assignments via dedicated web forms. Service offerings span three main categories: Property Claims (handling commercial/homeowner property, third-party property, construction defect, CAT services using Xactimate and Geomni tools), Casualty Claims (general liability, commercial transportation with 24/7/365 emergency response, workers' compensation investigation, skip trace), and Physical Damage Claims (vehicle appraisal, heavy equipment, diminished value, appraisal clause dispute resolution). The company was acquired by Davies in 2019 as part of their expansion into the US claims market.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Claims Services Property claims handling for insurance carriers, TPAs, and self-insured entities, covering commercial and homeowner property, third-party property, construction defect, appraisal clause dispute resolution, and catastrophe (CAT) claim services for hurricanes, hailstorms, floods, fires, and other natural disasters. Adjusters are Xactimate certified and use Geomni roof measuring systems.
• Casualty Claims Services Multi-line casualty claims handling including general liability/bodily injury, third-party property damage liability, commercial transportation liability (24/7/365 emergency response), personal auto liability, mediation attendance, trial monitoring, inland marine/cargo, workers' compensation field investigation, skip trace/witness locate, and social media research.
• Physical Damage Claims Services Physical damage appraisal services handling 20,000+ auto claims annually, including private passenger/light truck vehicle damage appraisal, commercial truck/heavy equipment appraisal, auto appraisal clause dispute resolution, diminished value appraisal, and international claim services via parent company Davies for Lloyds and global markets.
• Franchise Opportunities Franchise system offering entrepreneurs the opportunity to own an independent claims adjusting business under the Frontier Adjusters brand. Franchisees receive marketing, IT, financial, and administrative support. The network operates 500+ advertised locations across all 50 US states with over 600 franchise locations.

Quantifiable outcome

• 15+ years average experience per owner-operator adjuster
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

One partnership is on record.

• DaviescoreStrategic or Co-development Partner · 1 January 2019Davies, a leading specialist professional services and technology firm, acquired Frontier Adjusters in 2019 as part of its US claims expansion strategy. Frontier provides national field claims adjusting services through its franchised network. Davies has more than 3,700 colleagues across UK, Ireland, Bermuda, US and Canada, delivering professional services across the insurance value chain including claims, underwriting, distribution, and digital transformation.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sedgwick: Largest independent claims management firm globally with multi-line P&C field adjusting, TPA, and loss adjusting services to carriers and self-insureds — the dominant scale competitor to Frontier's franchise model with thousands of adjusters and similar 24/7 CAT response positioning.
• Crawford & Company: Global independent provider of claims management and adjusting solutions serving P&C carriers, TPAs, and self-insureds across property, casualty, and auto lines — directly competes with Frontier on multi-line field adjusting and CAT response.
• Broadspire (formerly GAB Robins): Provider of claims management, medical management, and disability management services to insurers, TPAs, and self-insureds — competes with Frontier on casualty and workers' comp field investigation.
• Gallagher Bassett: TPA and claims management arm of Arthur J. Gallagher that operates its own adjusting network serving large commercial and self-insured accounts — competes both as customer of Frontier (Gallagher Bassett cited as a select customer) and as an internal adjusting provider.
• YA Group (Young America Adjusters): National independent adjusting firm handling commercial property, casualty, and auto physical damage claims with a multi-office US footprint — directly comparable business model and customer set to Frontier.
• Pilot Catastrophe Services: Independent adjusting firm specializing in property and CAT response across the US, providing surge-capacity adjusting to carriers — overlaps directly with Frontier's CAT service line and use of temporary adjusters during events.
• Claims Management Resources (CMR): Independent multi-line claims adjusting firm serving carriers and self-insureds across the US — comparable offering in property and casualty field adjusting for the same enterprise customer base.

Broad incumbents

• Mitchell International: Established technology, repair-estimate, and claims workflow provider to the P&C industry — overlaps with Frontier's FACTS platform on claim tracking, repair estimating, and carrier-side workflow integration, though Mitchell is software-first whereas Frontier is services-first.
• CCC Intelligent Solutions: Major claims and repair ecosystem platform powering auto-physical-damage workflows for carriers — competes indirectly for carriers' attention and IT dollars with Frontier's auto physical damage business line.

Emerging players

• Snapsheet: Insurtech offering virtual auto-appraisal and AI-enabled claims estimation — a direct disruptive threat to traditional field adjusters in the auto-physical-damage segment where Frontier handles 20,000+ claims annually.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/frontier_ia
• Facebookfacebook.com/frontieradjustersinc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Frontier Adjusters