How long does it typically take to sell a insurance agency business?

Well-prepped Main Street insurance agency businesses close in 6–9 months from listing. Add 3–6 months up front for financial prep and add-back documentation if books are cash-basis or informally kept.

Do I pay anything to be matched to a insurance agency broker?

The match is free. Brokers on the platform work success-fee-only — a percentage of the transaction, paid at close. You pay nothing until your business sells.

What size insurance agency businesses do the matched brokers work with?

Every broker on the platform specializes in Main Street sales — typically businesses with under $5M in annual revenue. If you're above that range we'll flag it and route you to the right lower-middle-market advisor.

For Insurance Agency owners

Sell My Insurance Agency Business

Insurance agencies trade at some of the highest multiples on Main Street — commercial-heavy books with strong retention are the closest thing to a subscription business the trades economy produces.

Whether you sell for the top of the range or the bottom is decided months before you go to market. Since roughly 2018 the U.S. retail insurance-brokerage market has been consolidating aggressively. PE-backed platforms — Acrisure, Hub International, PCF Insurance, Alera Group, Baldwin Risk Partners, AssuredPartners, USI, and Higginbotham — deploy multi-billion-dollar bolt-on budgets each year. Commercial P&C books trade at 8–12x EBITDA (roughly 2.5–3.5x commissions) for well-run agencies with 90%+ retention and a producer bench beyond the owner. Personal-lines books price lower (typically 5–8x EBITDA) because retention economics are weaker. Optis Partners' quarterly reports track 700+ agency transactions per year — this is the most consolidated professional-services category in the U.S.

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Insurance Agency · instant estimate

What's your insurance agency business worth?

Real Main Street benchmarks. Numbers update as you type — no signup, no wait.

Annual revenue (TTM)

Owner benefit / SDE

Profit + owner comp + owner add-backs

Prep priorities

Move the multiple before you go to market

A insurance agency business that shows up well-prepped trades at a materially different price than an unprepped one. These four moves matter most.

Priority 01

Shift the mix toward commercial lines — every point of commercial mix above 60% is worth basis points on the multiple.

Priority 02

Grow your producer bench so the agency doesn't rely on the owner personally writing business.

Priority 03

Retention discipline: build a systematic renewal process that gets you to 92%+ overall retention.

Priority 04

Diversify carrier appointments — get your top-carrier concentration below 35% of revenue.

Priority 05

Document E&O history and secure a clean tail-coverage quote from your current carrier before you go to market.

Who buys

Active insurance agency buyers right now

Named PE platforms, franchisors, and strategic consolidators with active buying programs in insurance agency. Every listing is drawn from public disclosures and refreshed as deals close.

Buyer archetypes

PE-backed national aggregators (Acrisure, Hub, PCF, Alera)
Regional broker platforms
Wholesale MGAs and specialty distributors
Bank-owned insurance arms
Individual producer buyouts (sub-$500K commission books)

Active rollup platforms

• Acrisure
• Hub International
• PCF Insurance
• Alera Group
• Baldwin Risk Partners (BRP)
• AssuredPartners

Specialists

Insurance Agency sell-side specialists

Every broker has closed insurance agency transactions in the last 24 months.

matched brokers

avg years experience

Matched pool

Insurance Agency sellers

Shared specialties in this pool

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Common insurance agency exit questions

How long does it typically take to sell a insurance agency business?
Well-prepped Main Street insurance agency businesses close in 6–9 months from listing. Add 3–6 months up front for financial prep and add-back documentation if books are cash-basis or informally kept.
Do I pay anything to be matched to a insurance agency broker?
The match is free. Brokers on the platform work success-fee-only — a percentage of the transaction, paid at close. You pay nothing until your business sells.
What size insurance agency businesses do the matched brokers work with?
Every broker on the platform specializes in Main Street sales — typically businesses with under $5M in annual revenue. If you're above that range we'll flag it and route you to the right lower-middle-market advisor.

Related industries

Adjacent verticals we cover

Same category, different deal dynamics — every page has its own live valuation tool and buyer intel.

Accounting & CPA

1.5x–2.75x SDE

By state

Sell your insurance agency business in your state

Each state has its own tax, licensing, and buyer-network dynamics. Jump to your state for specifics.

Sell in Florida

Sell in Texas

Sell in California

Sell in North Carolina

Frequently asked

Insurance Agency sale FAQ

How is my insurance agency valued?

The market prices in EBITDA multiples and commission multiples in parallel. Commercial-heavy agencies typically trade at 8–12x EBITDA (or roughly 2.5–3.5x annual commission revenue). Personal-lines books cluster at 5–8x EBITDA / 1.5–2.5x commissions. What lands you at the top of the range: 90%+ retention, commercial mix above 60%, a producer bench beyond the owner, and diversified carrier relationships.

How long does it take to sell an insurance agency?

Optis-tracked deals typically run 4–7 months from LOI to close, faster than most Main Street categories because the PE-backed aggregator platforms have institutionalized diligence and template deal docs. The bottleneck is almost always the E&O tail-coverage negotiation and the appointment-transfer paperwork with each carrier, not the transaction itself.

What drives higher multiples for insurance agencies?

In order of impact: (1) commercial-lines share above 60%, (2) retention above 92%, (3) a producer bench beyond the owner writing meaningful new business, (4) diversified carrier appointments (no single carrier > 25% of revenue), (5) low personal-goodwill dependence — the book renews without the owner personally involved.

Should I sell to a national aggregator or a regional platform?

National aggregators (Acrisure, Hub, PCF) pay the highest headline prices but structure with heavier earn-outs and equity rollover. Regional platforms move faster and offer cleaner cash-at-close, at the cost of a 0.5–1.0x lower headline multiple. Owners planning to fully exit within 12–18 months often prefer regional buyers; owners willing to stay 3–5 years and roll equity capture more upside with the national platforms.

Do wholesale / MGA books trade differently than retail agencies?

Yes. Wholesale MGAs and specialty distributors trade at premiums (typically 10–14x EBITDA) because binding authority + program business + carrier panels together create real barriers to entry. Ryan Specialty, Amwins, and CRC drive that segment. If you have delegated authority, expect a very different (and higher) valuation conversation than a retail-only agency.

Insurance Agency brokers

Full directory

Insurance Agency valuation guide

How the category is priced

How to sell a insurance agency business

Step-by-step playbook

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