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Sacramento County, California
High-Growth, High-Margin Farmers Insurance Agency Sacramento, CA
Asking Price
$1,350,000
Revenue
Call/Email
Down
$1,350,000
Cash Flow
Call/Email
Name: Todd Eichman
Name
Todd Eichman
Description
The agency manages over $4.3 million in total written premium across 1,919 policies spanning Auto, Homeowners, Life, Commercial, and specialty lines. Revenue reached $578,673 in 2025 with CPA-verified Seller's Discretionary Earnings of $275,555, representing a 47.6% SDE margin — among the highest in its category.
This is not a typical captive agency. In addition to the core Farmers book, the agency operates a diversified independent brokerage platform generating approximately $100,000 in additional annual commissions across 150+ policies. This hybrid model provides revenue diversification and a built-in growth platform for the buyer.
The agency benefits from established referral relationships and a strong local reputation, driving high-quality inbound opportunities. It is also licensed in both California and Nevada, opening cross-border growth opportunities.
Retention is strong, with 100% Fire (homeowners) retention and 93% Life retention — both above district and state averages. Q1 2026 year-to-date retention stands at 96.87%, demonstrating continued momentum. The book is actively growing with 85 new policies written and a net increase of 23 policies in force through March 2026.
The agency comes staffed with four employees, including three licensed producers and one support/marketing role. All systems, processes, and carrier relationships transfer with the sale.
The seller is approaching retirement and is committed to a comprehensive 3-month post-close transition and training period to ensure continuity of client relationships and successful knowledge transfer to the new owner.
Farmers Insurance agencies benefit from transferable book ownership, recurring commission revenue, brand-backed lead generation, and carrier infrastructure. Unlike more restrictive captive models, Farmers' open-market transfer program allows a true third-party sale process.
This acquisition is well-suited for existing Farmers agents looking to expand, independent agency owners seeking a bolt-on, licensed insurance professionals entering agency ownership, or strategic acquirers building Sacramento market presence.
All financials are CPA-verified and SBA-underwriting ready. NDA required before receiving the full Confidential Information Memorandum.
Contact: Todd Eichman, Managing Partner — Transworld Business Advisors — teichman@tworld.com | 916-281-5838
Growth opportunities include expanding the agency’s independent brokerage platform, which already generates approximately $100K in annual commission revenue across 150+ policies through NowCerts; scaling commercial lines, which grew 37.6% year-over-year; cross-selling the existing 1,919-policy book; leveraging California and Nevada licensing for cross-border growth; and increasing digital marketing and online lead capture. The agency’s hybrid Farmers plus independent brokerage model provides a strong platform for retaining clients when Farmers is not the best fit and creating additional revenue opportunities beyond a traditional captive-only agency.
https://tworld.com/locations/California/saccentralnapavalley/listings/High-Growth-High-Margin-Farmers-Insurance-Agency-Sacramento-CA
Business Details
Year Established:
1994
Employees:
4
FE&E:
$10,000
Reason for sale:
Retirement
Lease & Tenant Information
Lease Expiration:
07/31/2026
Lease Options:
$2,300
Other Information
Listing Number:
275082-916421
Sales:
$578,673
Seller's Discretionary Earnings:
$275,555
Posting Information
Posting ID:
tw:90102
Business Category:
Insurance
Keywords:
Transworld
Send NDA Request
Please complete the form below to request the NDA for this listing. The broker will review your request and send the NDA for you to sign.
Posting Title
High-Growth, High-Margin Farmers Insurance Agency Sacramento, CA
Posting ID
#*4f25b71bf80b1ae3c9631c81a097d24c*90102
Full Name (Required)
Email (Required)
Phone (Required)
NDA Signed Successfully!
Your NDA has been signed and submitted. The broker will review and countersign it. Once complete, you will receive access to confidential business details.
Agent, Broker or Seller Contact
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