Most of an agency's sale value is decided in the twelve months before the sale. We'll show you what buyers will look at, how your agency compares, and what to fix first — free, and with no obligation to sell.
Updated September 28, 2026
No fee to you — not up front, not at closing.
Where you standAgainst what buyers pay for
A 12-month planThe fixes that move value most
No fee, no obligationSell with us or don't
A year out is the best time to call. We'll show you what buyers will look at and what to fix first — free, and with no obligation to sell.
No fee to youNot up front, not at closing
15+ years of dealsAgencies, books and MGAs
Direct to buyersMatched to fit, not auctioned
A realistic rangeWhat buyers look at, explained
Short answer: If you plan to sell your insurance agency in about a year, use that year to raise its value: clean up your financials, prove your retention, reduce how much the agency depends on you, and make sure your revenue will transfer. Buyers pay more for what they can verify.
We go through your agency the way a buyer's diligence team would — then turn what we find into a short list of changes, in the order that moves value most. Typical topics:
Assemble multi-year statements and tax returns, and take personal expenses out of the business so earnings show what the agency really makes (source). Buyers price earnings; earnings they can't verify get discounted.
A buyer's return comes from renewals, which is why retention affects value more than almost anything else (source). Twelve months is enough to tighten service on at-risk accounts and to report retention by line and by carrier.
Multiples are higher when the business depends less on the owner and on a few key clients or carriers (source). That means moving relationships onto account managers, documenting how the agency runs, and putting producer agreements in place.
Carrier spread, producer non-solicitation agreements and clean agency-management-system data are what prove revenue is real and transferable (source). Contingency and bonus income is usually discounted, because carriers reset it every year (source).
For a sense of what "strong" looks like: in the 2025 Big I / Reagan Consulting Best Practices Study, top-performing agencies posted 10.7% organic growth and 26.1% EBITDA margins (source). You don't need to hit those numbers — but buyers compare you to them.
Review carrier contracts for transferability, consolidate business with core carriers, and bring HR documents up to date (source).
Part of planning is deciding what you're actually selling. A whole, profitable agency usually brings more in total because the brand, reputation and team come with it; selling a book lets you keep operating and sell only the client relationships (source). More on books and MGAs.
The documents a buyer asks for are easier to pull calmly a year out than under a deadline — and pulling them shows you what a buyer will see. Here's the checklist, and how to get each item from your system.
Either way, start with one conversation about your insurance agency. Five quick fields — no fee, no obligation.
Selling an insurance agency, a book of business or an MGA — directly to buyers who are actively acquiring, with no fee to the seller.
Sell Your Insurance Agency Direct connects agency owners with buyers. No fee to you — not up front, not at closing. There's no retainer and no listing agreement to sign before you know what your insurance agency is worth.
Nothing on this site is an offer to buy, a valuation of your agency, or legal, tax or accounting advice — talk to your own advisers before you sign anything. Market figures are from the sources linked beside them, read 2026-09-28; they describe the market, not your agency.
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