Sell your Insurance business
Insurance agencies command some of the strongest multiples in the lower middle market, driven by recurring commissions and high retention. Here’s what your agency is worth and how to sell it.
What it’s worth
Insurance valuation multiples
Insurance agencies often trade at premium multiples — commonly 2–3× revenue or 6–10× EBITDA for quality books — reflecting durable, recurring commission income.
These are general, illustrative ranges for healthy businesses—not a valuation or an offer. Actual value depends on size, margins, recurring revenue, customer concentration, owner dependence, and deal structure. For a real number, request a free confidential valuation.
What drives your multiple
- Recurring commission revenue and book retention
- Commercial vs. personal lines mix and niche specialization
- Carrier relationships, contingents, and loss ratios
- Client and carrier concentration
- Producer dependence and staff continuity
Who’s buying
The buyer landscape
- PE-backed agency aggregators paying premium multiples nationwide
- Strategic regional agencies expanding books and territory
- Individual buyers and producers acquiring or merging books
Florida & beyond
What’s specific to selling here
- Florida’s insurance market makes specialized, well-run agencies especially valuable
- Buyers are largely national aggregators — book quality matters more than location
- Retention, carrier relationships, and producer continuity are key diligence items
Before you go to market
How to prepare—and lift your value
1
Strengthen retention and reduce producer and client concentration
2
Document commissions, contingents, and loss ratios
3
Plan producer and staff continuity through the transition
FAQ
Selling your insurance agency: FAQ
Why do insurance agencies sell for such high multiples?
Because commission income is recurring and sticky. Quality books often fetch 2–3× revenue or 6–10× EBITDA, well above most small businesses.
Who buys insurance agencies?
PE-backed aggregators are extremely active and often pay premium multiples, alongside strategic regional agencies and individual producers.
What raises my agency’s value?
High retention, diversified carriers and clients, strong loss ratios, niche specialization, and low dependence on any single producer.
Start here
Thinking about selling your Insurance business?
Start with a confidential conversation and an honest read on your value, your likely buyers, and your timeline.