Flagship niche
How to sell your insurance agency
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.
Who this is for
You're probably in one of these spots
- You own an independent insurance agency and you're starting to wonder what it's worth.
- You've had an unsolicited offer and you don't know if it's a good one.
- You have licensing and carrier appointments that have to transfer cleanly.
- You're 6 months to 3 years out and want to know what to fix before you sell.
- You want your people and your clients to land somewhere good.
If none of those quite fit, reach out anyway. Half of what I do is help owners figure out whether this is the year or not.
About confidentiality
This is the fear I hear most: if word gets out, my producers leave and my clients start shopping. Fair. Here's how I handle it.
- Your agency is marketed blind: industry, region, and numbers only.
- Every buyer signs an NDA and gets screened before they learn your name.
- Financials go out in stages, not all at once.
- Site visits happen after hours or on weekends, on your terms.
- You decide who finds out and when, including your team.
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.
WHY NOT ANOTHER BROKER
A specialized broker
An insurance agency has moving parts that only show up when you've sold a few of them.
I already have relationships with buyers
Agency aggregators, local & national strategic buyers, and individual operators.
I know what your agency is actually worth
Commission books, retention, carrier mix, and licensed staff aren't line items a general broker knows how to price. Get that wrong and you could be leaving real money on the table.
I know what kills these deals
Carrier contracts, key-person risk, lender requirements, and even office leases. We deal with them early.
I'm backed by an experienced firm
While you will work directly with me, I am backed by FitzGibbon Alexander, Inc., whose partners have completed over $1B in transactions across their careers.
Step by step
What actually happens, start to finish
From the first call to the wire hitting your account, here's the whole thing.
A confidential conversation
No paperwork, no pressure. Just a conversation about your agency, your timing, and what a sale would need to look like for it to be worth undertaking.
What your business is worth
I go through your revenue, your earnings, your carrier mix and customer base. You get a clear marketable range and the reasoning behind it, and a clear answer on whether you could get more if you wait to sell.
Finding buyers who'll run it well
Your business is presented confidentially to buyers I've screened for funds, experience, and intent. Nobody sees your name until they've signed an NDA and I've checked they can have what it takes to close the transaction.
Getting to the closing table
I help you compare offers on more than price, manage due diligence requests, coordinate with your CPA and attorney, and keep the deal moving through lender approval, if needed, to the closing table.
Let's find out what your agency is worth
Prefer email? Chance@FitzGibbonAlexander.com