Agency Operations

The differences between “purchases” and “mergers” is so great that one is forced to wonder how they became so closely related in agency management literature. The two activities are fundamentally…

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A water bottler prices each bottle at $1. But what if the water is transported to the middle of a desert in which there is NO other source of water…is…

Two things are going on in the insurance marketplace. First, agencies are continuing to be bought and sold. Second, carriers are abandoning some agencies or even lines of insurance in…

How much is your agency worth? One times commission? One and a half times? Two times? During the last twelve months Agency Consulting Group has been involved in agency transactions…

We are currently assisting one of our clients in an acquisition. The target agency appears to be a good fit with our client. The agency wants to sell to our client. But,…

One time. One and one-half times. Two times. Multiple of commissions. Multiple of revenues. Multiple of earnings. Do any of these so-called benchmarks and “thumbnail measures” have any bearing on…

No agent wants to consider divorce as a reason for valuation. However, divorces do occur to some agents and the agency business sometimes does become a part of the marital…

The Agency Consulting Group provides many valuations each year for independent insurance agencies throughout the United States. For some agencies it’s a one-time occurrence while, for others, its an annual…

Half or more of all mergers and acquisitions result in decreased values of the combined entities. How can that happen? Here’s a recent example in which we were called upon…