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$7.2M Premium Book $667K SDE | Established Coastal OC Insurance Agency
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Rare opportunity to acquire a highly profitable, established insurance agency located in desirable coastal Orange County.
The agency has built a substantial and seasoned book of business with approximately $7.2 million in rolling 12-month premium, providing a significant base of recurring renewal business together with continued new-policy production.
As of August 2026, the book consists of approximately:
• $7.22 million total rolling 12-month premium
• $6.49 million renewal premium
• $731,000+ new-business premium
• Approximately $667,000 in 2025 Seller's Discretionary Earnings
• Approximately $346,000 in SDE for the first six months of 2026
The agency is an established operation with existing infrastructure, personnel and systems in place, allowing a qualified buyer to acquire a substantial existing book rather than build an agency from the ground up.
A significant portion of the business is renewal-driven, providing an attractive recurring revenue base, while continued new-business production provides additional organic growth potential
The agency has built a substantial and seasoned book of business with approximately $7.2 million in rolling 12-month premium, providing a significant base of recurring renewal business together with continued new-policy production.
As of August 2026, the book consists of approximately:
• $7.22 million total rolling 12-month premium
• $6.49 million renewal premium
• $731,000+ new-business premium
• Approximately $667,000 in 2025 Seller's Discretionary Earnings
• Approximately $346,000 in SDE for the first six months of 2026
The agency is an established operation with existing infrastructure, personnel and systems in place, allowing a qualified buyer to acquire a substantial existing book rather than build an agency from the ground up.
A significant portion of the business is renewal-driven, providing an attractive recurring revenue base, while continued new-business production provides additional organic growth potential
About the Business
- Years in Operation
- 7
- Facilities & Assets
- The agency operates from a professional, fully functional office in Huntington Beach, California. The space is well maintained, fully equipped and ready for a new owner to step in and continue operations with minimal disruption.
The office is set up as a true turnkey insurance agency, with existing workstations, furnishings, operating systems and infrastructure already in place. Its Huntington Beach location provides convenient access to a large Orange County customer base and surrounding coastal communities.
A qualified buyer can acquire not only the existing book of business and cash flow, but also an established operating platform that is ready to continue running from day one. - Market Outlook / Competition
- California’s insurance market remains challenging but is showing meaningful signs of stabilization and renewed growth. Major carriers are beginning to expand homeowners availability, while the growth of the California FAIR Plan has slowed substantially. Farmers has eliminated its monthly cap on new homeowners business and has publicly committed to expanding coverage in California, including wildfire-distressed areas.
These conditions create an attractive environment for an established agency with a substantial existing book, experienced infrastructure and demonstrated new-business production. As availability improves, a buyer may benefit from both the agency’s recurring renewal base and additional opportunities to write, cross-sell and consolidate new business as the California market continues to evolve. - Opportunities for Growth
- The agency offers strong growth potential for both established and newer insurance professionals.
An existing agency owner may be able to combine operations, staff, technology and administrative functions, eliminate duplicative overhead and increase profitability. The acquisition also provides immediate scale and a substantial existing book of business.
For a newer owner, this is a turnkey opportunity to acquire an established agency with recurring renewal revenue, existing infrastructure and meaningful cash flow rather than building from scratch.
Additional opportunities include increased cross-selling, commercial and life production, additional producers, referral and digital marketing, improved retention, and acquisition of additional books of business.
Real Estate
- Owned or Leased
- Leased
About the Sale
- Seller Motivation
- The owner is planning to relocate outside California and pursue a new profession
- Transition Support
- Seller will provide up to three (3) months of post-closing transition and support, for up to twenty (20) hours per month. Support will be focused on facilitating an orderly transition of the agency, including introductions, operational handoff, customer and staff continuity, and reasonable assistance with the transfer of existing processes and relationships.
- Financing Options
- we have financing options
Listing Info
- ID
- 2556977
- Listing Views
- 21
Listing ID: 2556977 The information on this listing has been provided by either the seller or a business broker representing the seller. BizQuest has no interest or stake in the sale of this business and has not verified any of the information and assumes no responsibility for its accuracy, veracity, or completeness. See our full Terms of Use. Learn how to avoid scams.
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