Listing Details:

• Business Category:    Insurance
• Price:                            $3,500,000
• Gross Revenue:          $855,944
  
• SDE:                             $498,175
  
• Reason for Selling:     Other Interests
• Location:                      Polk County
• Employees:                  4
• FF&E:                           $50,000
  
• Support & Training:     8 weeks
• Non Compete:              300 miles for 2 years
  

Business Description

This is an established independent insurance agency with a diversified book across personal and commercial lines. Revenue is largely recurring, supported by long-term client relationships and strong carrier partnerships. The agency operates with efficient systems and a lean structure, producing consistent cash flow. 

The business serves clients across multiple states, which reduces concentration risk and supports scalability. Its independent model allows flexibility in carrier placement, pricing, and coverage solutions, creating durable client retention and cross-sell opportunities. 

Growth opportunities exist through deeper commercial penetration, expansion of life and supplemental products, and targeted marketing within existing territories. The platform is well suited for an owner-operator seeking steady income or a strategic buyer looking to add scale, geographic reach, and predictable commissions. 

Competitive Analysis

The agency competes primarily with captive agents and smaller independent brokers in its markets. Its independent model provides a clear advantage by allowing access to multiple carriers, flexible coverage options, and competitive pricing, which supports higher client retention and cross-sell opportunities. 

Compared to captive agencies, this business is not constrained by a single carrier’s underwriting or pricing changes. Compared to smaller independents, it benefits from an established book, multi-state reach, and proven carrier relationships. These factors create defensibility, recurring revenue stability, and a strong platform for continued growth.