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How insurance agencies are valued, what drives multiples up or down, and how to calculate a realistic market value for your book. Revenue multiples, retention rates, carrier mix, and the metrics buyers actually care about.
42 articles
The valuation gap is what separates an owner's number from the buyer's number. Learn why it exists, what it costs you, and how to close it before you sell.
Read Article →A seller carryback note is only worth what you can collect. The promissory note terms, UCC filings, and default provisions that turn paper into paid debt.
Read Article →U.S. brokerage M&A delivered 241 deals through May 2026. Private capital drives 70% of deals. Here is who is buying and what multiples clear heading into Q3.
Read Article →Five indicators determine a Farmers captive agency's value: retention rate, loss ratio, premium growth, policy count trend, and line-of-business mix in 2026.
Read Article →Allstate agents are exclusive contractors, not independent agents. Here is what that means for book ownership, agency valuation, and your exit strategy in 2026.
Read Article →Farmers Insurance agent appointment agreements define what you own, what you can sell, and what you walk away with. Here is how the contract actually works.
Read Article →Use an insurance agency valuation calculator to estimate what your agency is worth. 2026 multiples, retention math, deal structure, and what buyers actually pay.
Read Article →Rollover equity in a consolidator deal means investing in a capital structure you do not control. Security class and waterfall position outweigh the percentage.
Read Article →Most insurance agency earnout structures look like 7x EBITDA on the LOI and pay out like 4x in practice. Here is the math buyers do not show you.
Read Article →Selling an insurance agency takes 4 to 8 months from valuation to close. Preparation before that adds months or more. This is the full stage-by-stage timeline.
Read Article →Q1 2026 OPTIS data: 148 agency M&A deals, the slowest first quarter since 2016. PE took 72 percent. What the bottoming trend means for agency sellers right now.
Read Article →Seller negotiating power peaks at the LOI. Negotiate price, structure, exclusivity window, carrier-consent contingency, and non-compete before signing.
Read Article →Independent P&C agencies sell for 10 to 30 percent more than captive agencies. Ownership structure, carrier flexibility, and transfer ease drive the gap.
Read Article →Current market data on P&C insurance agency revenue multiples, earnings multiples, and the operating factors that move valuations up or down in 2026.
Read Article →The complete guide to selling your P&C insurance agency: preparation, valuation, listing, buyer vetting, deal structuring, and transition. Updated for 2026.
Read Article →How buyers and sellers value P&C insurance agencies: revenue multiples (1.1x-2.2x), earnings multiples (1.8x-3.7x), and the factors that move the final price.
Read Article →The difference between owning a book of business and owning an actual business is the difference between a high-paying job and a sellable, transferable asset.
Read Article →How insurance agencies are valued in 2026: revenue multiples for captives, EBITDA multiples for independents, SDE for small agencies. Method beats the number.
Read Article →Captive books sell at 1.5 to 2.5x revenue. Independent agencies sell at 6 to 10x EBITDA. Here is why the valuation gap is structural, not negotiable.
Read Article →What drives insurance agency multiples from 4x to 8x EBITDA: organic growth, retention above 90 percent, EBITDA margin, owner dependency, and commercial-lines mix.
Read Article →Most captive agents calculate the cost of leaving but never the cost of staying. A five-year projection on commission, book ownership, and enterprise value at exit.
Read Article →Farmers agents are leaving in record numbers in 2026. How the 90-day notice works, what contract value actually pays, and where the non-compete really bites.
Read Article →Allstate restricts who you can sell to, when, and for how much. Here is what those carrier rules mean for your exit price and your transition timeline.
Read Article →Insurance agency EBITDA margin benchmarks: top quartile hits 25 to 30 percent, average sits 15 to 20 percent. Where margin gets eaten and how to close the gap.
Read Article →633 deals in 2024, PE-backed buyers at 73.5 percent of all agency transactions. Here is what that buyer mix means for your agency's likely sale price and terms.
Read Article →Revenue multiples vs EBITDA multiples: why two agencies at $10M revenue can be worth twice apart. Normalization, capture rate, and seller bargaining power.
Read Article →Most agency owners have no idea what their business is actually worth, and the 5 mistakes here are the ones that cost owners six figures at sale time.
Read Article →What agency buyers actually evaluate: organic growth rate, retention above 90 percent, EBITDA margin, technology stack, client concentration, owner dependency.
Read Article →What to evaluate, what to pay, and what to watch for when buying an insurance book of business: retention, carrier mix, customer concentration, producer dependency.
Read Article →A 95 percent retention rate and an 85 percent retention rate look similar on paper. The difference at closing is hundreds of thousands of dollars in agency value.
Read Article →Commercial books command higher multiples but personal lines books are easier to operate at scale. Here is the math on which one to buy if given the choice.
Read Article →Timing the sale of your agency is worth hundreds of thousands. Here is how to know when the market favors you and which signals predict the next price ceiling.
Read Article →The agencies that sell for top dollar did not get lucky. They spent three years getting their books, their systems, and their team buyer-ready before the listing.
Read Article →Selling to PE vs an independent buyer: PE pays higher multiples but loads earnouts. Independent buyers pay less but close cleaner with cash and full exit.
Read Article →Earnouts can add 30 to 40 percent to your sale price or leave you working for free for two years. Here is how to structure them so the upside is real.
Read Article →Most failed agency sales die for preventable reasons. Here are the seven that kill deals most often, with the early warning signs and the fixes that save the close.
Read Article →Agency brokers charge 5-10 percent of the sale. When that fee is worth it ($5M+ deals, no time), when you can go direct, and how to negotiate if you hire one.
Read Article →The best exit starts a decade early. Here is the succession planning framework that maximizes your payout, protects your team, and keeps the agency intact post-sale.
Read Article →A funded buy-sell is the most important doc in your agency. Most owners do not have one funded properly. The gap costs heirs hundreds of thousands.
Read Article →Your agency value depends on not depending on you. Here is how to build the team and the systems that make you operationally optional before the buyer's first call.
Read Article →If you dread Monday mornings and your book runs you instead of the other way around, the numbers are already telling you it's time to consider an exit.
Read Article →Morbid question, critical answer. Most agencies lose 30 to 50 percent of their value within 90 days of an owner death without a funded buy-sell agreement in place.
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