Insurance Businesses for Sale.

A renewal book that does the heavy lifting, experienced agents who manage their own clients, and carrier relationships that took years to build make the best agencies genuinely transferable businesses.

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A clay model of an independent insurance agency in a Nebraska office building, with the owner looking over the operation.

Active Listings

Rejigg lists 16 insurance businesses for sale.

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Featured Insurance Businesses

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What to know

What to know about buying an insurance business

How insurance businesses are valued

Asking prices are set as a multiple of earnings: 2x–8x annual profit, depending on renewal rates, team, and how hands-off the business runs.

Agencies with high renewal rates and a team that manages client relationships tend to be worth more because buyers know the revenue will keep coming after the sale.

Clients who renew year after year
Relationships with many carriers
Experienced agents with their own client relationships
Fees that come in on top of commissions

What buyers of insurance businesses look for

Other independent agencies looking to grow into new territories or add new lines of business
Larger insurance companies building scale by combining agencies
Wealth management firms looking to add insurance to what they already offer clients
First-time buyers with insurance licenses looking for a business with steady, recurring income

The first questions buyers ask:

Retention. How do you define retention (policies, households, or commission dollars), and can you show it by line and carrier?
Carrier Approvals. Will your carriers approve the buyer, and what does the change-of-control process usually take?
Book Perimeter. What are you selling (book, entity, or both), and do expirations transfer with it?

Closed deals

Rejigg insurance deals closed

Across 42 closed deals on Rejigg, the median time from first pitch to close is 177.5 days.

See all Rejigg deal data

Due diligence

What to Look For

Practical guidance from hundreds of real acquisition conversations.

Renewal rates above 90 percent

Ask for retention data broken out by year for at least three years, and look for consistency across policy types.
Renewal retention is the single most important number in an insurance agency acquisition. It tells you how much of this year's revenue will come back next year without anyone having to sell it again.
A renewal rate above 90% sustained across three or more years means the revenue base is genuinely durable.
Ask what caused any notable dips in retention and whether those factors have been resolved.

Agents with their own client books

Ask about each producer's tenure, book size, and compensation structure.
An agency where long-tenured producers manage their own client relationships is far more transferable than one where the owner handles everything personally.
Agents who have been there for years and still write strong books are the strongest proof the business will keep performing after the ownership change.
Find out which producers are expected to stay post-sale and whether any have discussed their own plans to retire or leave.

Carrier appointment breadth

Ask for a list of all carrier appointments with the lines they cover and whether there are transfer restrictions.
Being able to place business with a wide range of carriers gives the agency pricing flexibility and makes it harder for clients to leave.
Carrier relationships took years to build — this is a real competitive asset that new competitors would spend a long time trying to replicate.
Carrier relationships with transfer complexities can affect timeline, so getting a clear picture of each one early prevents surprises.

Revenue clarity across income types

Ask for financials that clearly separate renewal commissions, new business commissions, and advisory fees.
Agencies with clean, clearly organized financials are easier to evaluate and command more buyer confidence.
If revenue is mixed together or hard to break apart, that's worth understanding before you go deep in diligence.
The split between renewal income and new business income tells you how much of the revenue base is passive versus dependent on ongoing sales activity.

Licensed agents beyond the founder

Ask how many licensed agents are currently active and which clients each one manages.
An agency where multiple licensed agents hold client relationships is structurally stronger than one where only the founder holds the key licenses and client trust.
Ask what happens to client relationships if the founder steps away. If the answer is clear and the team is already managing those relationships, you're in good shape.
Long-tenured producers who already run their own books are the most important retention question in any insurance acquisition.

Valuation

What Should You Expect to Pay?

2x-4x

SDE

Owner-operated, owner manages key client relationships

3x-8x

EBITDA

With experienced agents managing their own books and strong renewal rates

Agencies with renewal rates above 90 percent and agents who manage client relationships independently tend to earn higher multiples because buyers have confidence the revenue will keep coming.

What drives a premium

Renewal retention above 90 percent with three or more years of documented retention data

Experienced producers with their own client books who are expected to stay post-sale

Carrier appointments across multiple lines and carriers built over many years

Advisory or planning fees that layer on top of commission income as a second revenue stream

SBA Loan Calculator

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For buyers

Make your next conversation count

A listing starts the conversation. These tools help you check the fit, understand the financials, and decide what to ask next.

Prepare for the first owner call

Clarify what is for sale, who runs the business, and what the owner wants from a transition.

Prepare your buyer introduction

Check the numbers behind the asking price

Explore financing scenarios, debt payments, and the cash a business needs to keep operating.

Try the SBA loan calculator

Turn interest into a clear next step

Use the diligence checklist and LOI templates to organize requests and prepare a proposal.

Explore the deal templates

Find a business worth a closer look

Keep your industry and location in focus. Explore matching businesses or get new listings as they arrive.

Explore matching businesses Get new matching listings

Thinking About Selling?Read our owner's guide to selling an insurance business, with valuation tips, buyer expectations, and step-by-step advice.

Read the Owner's Guide

Insurance Business Acquisition

How do I contact the owner of a business I found on Rejigg?

Create a free Rejigg account; owners, and the brokers who run some sales, only hear from buyers through the platform. Open the listing to see the full profile: city, team size, financials, what is for sale, and the reason for selling. Sign Rejigg's standard Fee & Confidentiality Agreement for that business; it is the same form for every deal. Verify your phone, then send your pitch from the listing. Replies, meetings, and documents all run through Rejigg.

Can I email Rejigg to get introduced to an owner?

No. Rejigg does not forward emails to owners or brokers, so a note to support@ or hello@ with a listing link will not reach them. Create a free account, open the listing, sign the agreement for that business, verify your phone, and send your pitch; that reaches them in a few minutes.

How does buying a business on Rejigg work?

Create a free account, set your criteria, and browse off-market businesses sourced directly by our team. When you find a match, reach out to the owner through the platform, Rejigg handles NDAs, scheduling, and document sharing so you can focus on the deal.

How much does it cost to buy a business?

Prices vary widely; most small businesses on Rejigg sell for $500K to $10M. Beyond purchase price, budget for diligence costs (attorney and accountant fees, typically $10K-$50K) and working capital reserves. Getting started on Rejigg is free.

What financing options are available?

The most common path is an SBA 7(a) loan, covering up to 90% of the purchase price with 10-year terms. Seller financing is also common, where the seller carries a note for 10-30% of the price. Our SBA loan calculator helps you estimate monthly payments.

How is Rejigg different from a broker or marketplace?

Brokers represent the owner and typically charge the owner 5–10% of the sale price. Marketplaces list whatever gets posted. Rejigg vets every listing, sources many of them directly through our own owner outreach, connects you directly with owners when they sell directly, and gives you tools to manage the process from first contact through closing.

What is due diligence and what does it involve?

Due diligence is the verification process after you and the owner agree on terms (usually in a Letter of Intent). Budget 30-60 days and $10K-$30K for professional help. A Quality of Earnings report is increasingly common for SBA-financed deals.

Can I buy a business with no money down?

Rarely. Most acquisitions require 10-20% down, whether through SBA financing, seller financing, or cash. Some creative structures can reduce the cash needed upfront, but sellers generally want to see you have skin in the game.

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