EXECUTIVE SUMMARY

Established independent property and casualty insurance agency generating $2.0M in earned premiums with $150K annual revenue, representing a 7.5% commission rate. Located in Ocala, Florida (Polk County), this agency demonstrates consistent operational performance with a lean organizational structure.

FINANCIAL PERFORMANCE METRICS
• Earned Premium Volume: $2,000,000 annually
• Gross Revenue: $150,000 (7.5% average commission rate)
• Operating Structure: Owner-operator model with 1 Customer Service Representative

PRODUCT PORTFOLIO ANALYSIS
Diversified book of business across three primary lines:
• Homeowners Insurance
• Mobile Home Coverage
• Auto Insurance

This product mix provides risk diversification and captures multiple revenue streams within the Florida market.

CARRIER NETWORK & MARKET ACCESS
Extensive carrier appointments including:
• Tier 1 Carriers: Progressive, GEICO
• Specialty Markets: Foremost, Kemper, National General
• Florida-Focused: Citizens, American Traditions, Southern Oak
• Additional Markets: Assurance, Dairyland, Tapco, Amelia Underwriters, Irvin B Green & Associates, GeoVera, Gainsco

Total carrier relationships exceed 12 companies, providing competitive positioning and market flexibility.

OPERATIONAL INFRASTRUCTURE
• Direct carrier appointments and MGA relationships
• No aggregator dependency, maintaining higher commission structures
• Established customer service protocols with dedicated CSR
• Proven systems supporting $2M premium volume

SCALABILITY FACTORS
• Multiple carrier options enable competitive pricing
• Florida market growth potential in property insurance
• Lean staffing model allows for margin expansion
• Direct carrier relationships support retention and growth

Note: Real estate is owner-occupied but not included in transaction.