Flagship niche
Your book of business isn't just revenue. It's thirty years of people trusting you.
Independent agencies don't sell like restaurants or repair shops. The value sits in renewals, carrier relationships, and whether accounts stay when your name comes off the door. That's the part I know how to price and protect.
Valuation nuance
Four things that move the number the most
Agency valuation gets quoted as a multiple of revenue or EBITDA, but the multiple is decided by these.
Retention and renewals
A book that renews in the high 80s or 90s is worth meaningfully more than one that churns. Buyers pay for predictability, and your renewal history is the cleanest proof you have.
Who the relationships belong to
If every account calls you personally, that's a risk to a buyer, not a strength. We show how accounts are serviced by your team so the book doesn't look like it walks out with you.
Carrier contracts and appointments
Which carriers will consent to an assignment, which won't, and what contingent income actually transfers. This gets checked early, not in the middle of diligence.
Mix and concentration
Commercial vs. personal lines, benefits, and how much of your commission comes from your five biggest accounts. Concentration is priceable, as long as we tell the story first.
Buyer's eye view
What makes an agency attractive to buyers
- Clean commission statements you can reconcile to your tax returns
- An agency management system that's actually used, with current data
- Producers or CSRs who stay after closing
- Renewal dates spread across the year, not stacked in one quarter
- A book that isn't leaning on one carrier or one large account
- An owner willing to stay 60–180 days to introduce accounts
Who's buying Florida agencies right now
Three kinds of buyers, and they don't value your agency the same way:
- Aggregators and platforms
- Pay strong multiples for scale, but usually want you around for a while.
- Larger local agencies
- Buy for geography and carrier fit, and often keep your staff intact.
- Individual producers
- Frequently SBA-financed. Slower to close, but they'll often run it the way you did.
Part of my job is figuring out which of those you actually want, because the highest offer and the best outcome aren't always the same envelope.
Let's find out what your agency is worth
A confidential call, a real number, and an honest read on whether now is your moment or whether waiting a year makes you more.