EXECUTIVE SUMMARY

Established virtual Property & Casualty independent insurance agency generating $392,000 annual revenue from $2.6 million in managed premiums. Operating remotely since inception with 90% client retention rate and exceptional loss ratios across carrier portfolio.

FINANCIAL PERFORMANCE
• Annual Revenue: $392,000 (15.1% commission rate on managed premiums)
• Premium Portfolio: $2,600,000 under management
• Geographic Distribution: 80% Chicago metropolitan area, 20% Northern Indiana with minimal exposure in Wisconsin, Colorado, Michigan

OPERATIONAL METRICS
• Customer Retention Rate: 90% (industry average ~85%)
• Loss Ratios by Carrier:
- National General: 45%
- Travelers: 19%
- AAA: 29%
• Product Mix: 60% Personal Lines, 40% Commercial Lines
• AAA Performance Bonus: 10 consecutive years

TECHNOLOGY INFRASTRUCTURE
• Management System: HawkSoft
• Rating Platform: EZLynx
• Document Processing: DocuSign
• Fully virtual operations capability

CARRIER RELATIONSHIPS
• Primary Carriers: Travelers, AAA, National General
• Strong underwriting performance evidenced by consistent bonus payments

OPERATIONS STRUCTURE
• Single-owner operation with proven systems
• Minimal overhead: $500/month total office expenses
• Virtual office model eliminates geographic constraints
• Owner may consider availability for 6-12 month transition period

COMPETITIVE ADVANTAGES
• Superior loss ratios indicate quality underwriting and client selection
• High retention rate demonstrates strong client relationships
• Virtual model provides operational flexibility and cost efficiency
• Established Chicago market presence with expansion potential

This turnkey operation offers immediate cash flow with proven performance metrics and scalable virtual infrastructure suitable for growth-oriented buyers seeking established market presence.