Strategies

How Will Tariffs Impact M&A?

The recently enacted tariffs have introduced uncertainty into the insurance industry, including the agency mergers & acquisitions market. Here are three areas to monitor over the coming months.

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4 Ways a Bank Loan Can Fuel Agency Growth in 2025

By Scott Freiday In the highly competitive and evolving insurance landscape, independent agency owners face a unique set of challenges and myriad capital needs to sustain their growth. As we head into 2025, there is a greater sense of urgency for agencies to invest in technology and talent and make strategic mergers & acquisitions (M&A). The average…

What Types of Interest Rates Do Lenders Use?

By Alicia Chandler ​​The recent rate cuts by the Federal Reserve have prompted more agency owners to think about ways to grow their businesses. With the cost of borrowing starting to ease, many agency owners feel now may be the time to take a chance on new growth initiatives aided through debt financing. Not all lenders are…

Why Is EBITDA Crucial for Agency Valuation?

In the market right now, prospective buyers are not determining the price they will pay for an agency based on revenue alone, but instead on earnings before interest, taxes, depreciation, and amortization (EBITDA).

5 Ways a CAT Event Can Impact Agency Valuations

The increase in catastrophic events and higher loss ratios has the potential to significantly impact agencies’ profit sharing, revenue, carrier appointments and other valuation factors.