Insurance Agency Valuation Multiples (2026)
Insurance agencies are one of the most consistent SMB asset classes. Renewal-heavy P&C books with > 90% retention and specialty coverage reach 2.0× revenue and 6.5× EBITDA.
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Pick your industry and enter revenue + EBITDA / SDE. We'll triangulate three valuation methods and show what buyers typically pay for businesses like yours.
Premium drivers
- ↑Renewal rate > 90%
- ↑Diversified carrier appointments
- ↑Specialty book (cyber, professional liability)
- ↑Documented producer transition plan
Discount drivers
- ↓Single-carrier concentration
- ↓Aging client demographics
- ↓Owner-as-only-producer
- ↓Property-only book in cat-exposed state
Who buys insurance agency?
Larger agency aggregator (Acrisure, Hub, World), PE-backed insurance platform, or strategic carrier
Typical timeline + revenue band
- Days to close: 90–180
- Revenue band these multiples apply to: $500K–$5.00M
- NAICS: 524210 (Finance & Insurance)
5 levers that lift your Insurance Agency multiple by 30-50%
- 1Lock in recurring revenueConvert the top of your insurance agency revenue stack into multi-year contracts, retainers, or auto-renewing subscriptions. Buyers pay 25-40% more for revenue they don't have to re-win every quarter.
- 2De-risk customer concentrationAim for no single customer above 15% of revenue. If you have a > 25% client, get them on a multi-year master services agreement before going to market.
- 3Document the business out of the ownerLarger agency aggregator (Acrisure, Hub, World), PE-backed insurance platform, or strategic carrier will discount aggressively for any function that lives in the owner's head — sales, key vendor relationships, pricing, hiring. Run the next 90 days like the owner is on a 6-week vacation.
- 4Clean up the financialsGet a Quality of Earnings-ready trailing 12 months: GAAP-aligned, owner add-backs documented, no commingled personal expenses. This alone moves the multiple 0.5-1.0× upward in this category.
- 5Match the deal to the right buyer poolPE-backed roll-ups, strategic acquirers, and ETA buyers compete on different terms. List with someone who has run a process for insurance agency acquisitions — generic SMB brokers will leave 20%+ on the table.
FAQ — Insurance Agency valuations
What's a typical insurance agency valuation multiple?▾
Typical insurance agency valuations land near 2.8× SDE, 5× EBITDA, or 1.5× revenue. Strong operators reach 3.6× SDE / 6.5× EBITDA / 2× revenue, while weaker operators stay closer to 2.4× SDE / 4× EBITDA / 1.2× revenue.
How long does it take to sell a insurance agency?▾
Most insurance agency deals close in 90–180 days from listing. Strong operators with clean financials and a documented buyer pool close on the lower end.
Who buys a insurance agency business?▾
Larger agency aggregator (Acrisure, Hub, World), PE-backed insurance platform, or strategic carrier
What pushes a insurance agency valuation to the high end?▾
Renewal rate > 90%. Diversified carrier appointments. Specialty book (cyber, professional liability). Documented producer transition plan.
What forces a discount when selling a insurance agency?▾
Single-carrier concentration. Aging client demographics. Owner-as-only-producer. Property-only book in cat-exposed state.