In this episode of Build Your Legacy: Insurance Edition, we tackle one of the most common questions agency owners ask: What is my insurance agency actually worth?
With increased merger and acquisition activity throughout the insurance industry, more agency owners are thinking about perpetuation, succession planning, and eventual exit strategies. But determining the value of an agency isn’t as simple as applying a standard formula. Revenue, profitability, carrier relationships, client concentration, retention, growth trends, staffing structure, and operational systems can all significantly impact what a buyer is willing to pay.
We discuss the differences between revenue multiples and EBITDA valuations, why smaller agencies are often evaluated differently than larger agencies, and how factors like carrier diversification, commercial lines business, producer relationships, and agency systems can influence valuation.
Whether you’re actively planning to sell, considering acquisitions, or simply trying to understand the equity you’re building in your agency, this episode provides practical insights into what drives agency value and how owners should think about their long-term strategy.
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