Independent Insurance Agency – Houston, TX

Founded in 1992, this well-established independent insurance agency offers a rare turnkey opportunity in Houston’s dynamic market. With more than 30 years of continuous operation, the agency has built a loyal client base and maintains an impressive 90% retention rate across approximately 550 active policies.

Business Overview

This family-owned agency specializes in Commercial, Life, Property & Casualty insurance, managing over $4M in annual premium volume. It generates $400K–$450K in annual commissions with operating expenses of roughly $100K, delivering strong cash flow of $350K and EBITDA of $450K.

Key Strengths

90% client retention rate showcasing long-term relationships and service quality

Independent model with access to multiple nationally recognized carriers

Diversified revenue streams across multiple lines of business

Efficient operations with only 2 full-time employees

Recurring revenue through policy renewals

Significant cross-sell potential within the existing book of business

Growth Opportunities

Hire additional producers and expand commercial lines marketing

Increase focus on Life/Health and Small Commercial segments

Implement digital lead generation strategies in Houston’s fast-growing market

Cross-sell across lines to deepen client relationships

Monetize available office capacity or add secondary revenue streams

Leverage Houston’s booming metropolitan growth to scale operations

Transition Support

The seller is committed to a smooth transition, including client introductions and operational guidance, to ensure continuity of service and relationships.

Financial Highlights

Asking price: ~2.6× last 12 months’ commission

Annual commissions: $400K–$450K

Operating expenses: ~$100K

Policies in force: ~550

Premium volume: ~$4M

Retention rate: ~90%

This independent agency offers immediate cash flow, strong fundamentals, and substantial upside for a growth-minded buyer.