FINANCIAL PERFORMANCE OVERVIEW: This established Elite Allstate insurance agency generates $4.5M in total earned premium, comprising $3.3M in direct business plus $1.2M in brokered premium. Operating continuously for 13 years, the agency demonstrates proven revenue stability in a high-growth coastal market.

OPERATIONAL METRICS: Current staffing includes three Licensed Sales Producers (LSPs) managing the customer portfolio from a 1,000 square foot facility with three workstations and expansion capacity. The agency maintains an efficient cost structure with annual occupancy costs of $15,000 ($12K base rent plus $3K triple net).

MARKET POSITIONING: Located in Hilton Head Island's expanding insurance market, the agency serves a diverse customer base including year-round residents, retirees, and high-net-worth individuals. The Southeast coastal market continues experiencing above-average population and economic growth, supporting sustained demand for insurance services.

REVENUE COMPOSITION ANALYSIS: The $3.3M direct earned premium represents the core book of business focused on preferred auto and homeowner policies. The additional $1.2M brokered premium provides diversified revenue streams and demonstrates cross-selling capabilities within the existing customer base.

GROWTH OPPORTUNITIES: Current operations show significant potential for expansion through: 1) Cross-selling life and financial services to existing customers, 2) Leveraging established customer relationships for premium growth, 3) Utilizing available office space for additional producer capacity.

FINANCING STRUCTURE: Asking price of $1.49M represents approximately 33% of total earned premium. Multiple financing options available including bank financing through local and national lenders, plus seller financing with negotiable terms and satisfactory collateral requirements.

DUE DILIGENCE SUPPORT: Comprehensive financial documentation available under NDA. Current owner committed to transition assistance and operational guidance to ensure seamless ownership transfer.