FRONTIER ADJUSTERS, INC.
NASHVILLE, TN

Frontier Adjusters is a network of independent, multi-line claims adjusters that has been serving the property and casualty insurance industry since 1957. Our local franchised offices have successfully worked with thousands of insurance companies, TPAs and self-insured customers. Frontier has handled millions of assignments including, but not limited to, auto appraisals, property estimates, complex casualty claims and catastrophic events of all kinds. With over 680 franchised offices throughout the U.S. and parts of Canada, our extensive network is able to provide prompt, professional service 24 hours a day, 7 days a week. Our Phoenix-based Customer Service Center is connected to each of our local offices through our proprietary claims managment system – FACTS (Frontier Adjusters Claim Tracking System). Our local offices are connected to FACTS to manage their customer assignments, their file documents and their file communication; thereby ensuring greater conformity and quality across our entire network. Frontier Adjusters is not the place one starts an adjusting career. We do not consider people for franchises without a minimum of 5 years of multi-line property and casualty experience. It is more common for prospective franchisees to come to us from major carriers where they served as local, regional, and/or national claim managers; or from competing IA firms that are consolidating offices or eliminating staff; or from TPA’s and other industry claim sources. This is why we can state that our owner-operators average more than 15 years of claim experience in the property and casualty business. Frontier Adjusters is built on a concept that each claim assignment is an opportunity to perform at a high level to better ensure that we will receive the next assignment. Our owner-operators do not receive a paycheck every two weeks. They are business owners who understand the value of a customer relationship and are committed to the same. Their business is predicated upon great customer service and customer retention. We understand the advent of technology has changed the way organizations conduct business, which is why we continue to invest in our IT systems and processes in order to adapt to industry trends and customer demands. Our technology commitment enables Frontier to deliver a quality work product more efficiently and effectively, saving our customers time and money. We revere honesty and forthrightness. We adhere to the highest ethical standards, provide timely, accurate and complete financial reporting, encourage prompt disclosure of bad news and welcome disagreement. We clearly state and share our objectives with our employees, franchisees, shareholders and others. We measure our performance against these objectives and react to new information, changes and opportunities by adjusting our business processes to achieve and surpass our objectives. We are committed to continuously improving our performance in order to meet and exceed the expectations of our franchisees, customers and investors/owners. We reward our people for improving service quality and reducing costs. As part of our network of independent adjusters, Frontier owner-operators provide multi-line property & casualty claims services to insurers, large self-insureds, TPA’s, transport companies and many governmental agencies. Most Frontier locations also offer auto physical damage appraisal services and inspection services. We require new franchisees to possess at least 5 years of multi-line P&C claims adjusting experience. We do not provide startup training with regard to handling claims; new owners must be able to handle a broad range of claims from the day they start. Many of our current owners are former claims managers with 15+ years of experience. Frontier franchisees get the best of both worlds: the freedom and reward of entrepreneurship, with the marketing, IT, financial, and administrative support of a professional, experienced Home Office staff. A significant percentage of most franchise owners’ assignment volume is provided by Frontier National Account customer relationships. All franchisees undergo a thorough background check as a precondition to becoming a Frontier Adjusters’ franchisee. This includes checks on credit, criminal background, driving record and prior employment verification. We deploy strict criteria to ensure only persons of high ethical standards are awarded Frontier franchises. For example, any person with past involvement in dishonest or fraudulent activities is ineligible to become a Frontier franchisee. We also require that our franchisees perform background checks on all of their employees and independent contractors that handle customer assignments. This is a condition of the franchise agreement. Additionally, for all of our National Account customers, franchisees reaffirm that these background checks are completed via written acknowledgment in the form of a National Account Participation Agreement. Frontier Adjusters is a network of independent, multi-line claims adjusters that has been serving the property and casualty insurance industry since 1957. Our local franchised offices have successfully worked with thousands of insurance companies, TPAs and self-insured customers. Frontier has handled millions of assignments including, but not limited to, auto appraisals, property estimates, complex casualty claims and catastrophic events of all kinds. With over 680 franchised offices throughout the U.S. and parts of Canada, our extensive network is able to provide prompt, professional service 24 hours a day, 7 days a week. Our Phoenix-based Customer Service Center is connected to each of our local offices through our proprietary claims managment system – FACTS (Frontier Adjusters Claim Tracking System). Our local offices are connected to FACTS to manage their customer assignments, their file documents and their file communication; thereby ensuring greater conformity and quality across our entire network.