Insurance distribution continues to see active M&A and private-capital interest, and independent agencies are thinking more seriously about perpetuation, partner options, and “what is my book worth?”
Whether you plan to sell in 2 years or 12, the same truth applies: valuation follows fundamentals.
What’s driving agency value
Common themes showing up across brokerage valuation/M&A commentary:
- Strong retention and organic growth remain the core story
- Consolidators and private capital have kept deal activity elevated
- Buyers increasingly underwrite “operational value creation,” not just top-line growth
The 7 levers you can control (starting now)
- Retention discipline
Track retention by segment (personal, small commercial, mid-market). Fix churn pockets. - Account rounding
Multi-policy households and multi-line commercial accounts are stickier. - Niche focus
Generalist books sell; specialist books often sell better. - Producer bench strength
Reduce concentration risk (one producer = one point of failure). - Clean financials
Separate owner add-backs, normalize expenses, document comp structure. - Carrier mix + contingencies
A diversified carrier story is usually a stronger buyer story. - Process maturity
Documented workflows (renewal cadence, service standards, submission standards) reduce “key person” risk.
Succession options (quick overview)
- Internal perpetuation (producer buy-in / next-gen plan)
- Merger with a peer agency
- Sale to a strategic buyer
- Private equity-backed platform (if you fit the profile)
Where Agents United fits
Many owners want to stay independent while strengthening carrier access, compensation, education, and operational support. Agents United’s model is built to help independent P/C agencies grow with carrier access, profit-sharing opportunities, training, and tools—improving the fundamentals that drive long-term agency value.
