Insurance for Sale in Alameda County, CA
Alameda County, California
Insurance Service, Insurance Brokerage
1 result for "Insurance Service, Insurance Brokerage" businesses in "Alameda County, California"
Alameda County, California
Insurance Service, Insurance Brokerage
1 result for "Insurance Service, Insurance Brokerage" businesses in "Alameda County, California"
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Fremont, California
Captive Insurance Book - Established, Diverse
$ 505,000
CF : $ 181,646
This Company offers a diverse range of protections for its clients in Central California including Home, Business, Life, Auto, Workers Comp, and General Liability Insurance. “It’s time to join a fantastic Company that can insure & secure your family!” The owner's focus on community involvement—participating in local high schools, the Chamber of Commerce, and coaching local sports teams—has fostered a strong network and a healthy referral base. A recent remodel and prime location enhance the business's visibility and accessibility, attracting walk-in customers regularly. NDA is required to secure comprehensive Confidential Information Memorandum (CIM) crafted by ProNova Partners. Detailed Information Facilities: The business is located roadside with 750 SF including a main reception area with two desks for customers and two private offices. The lease is on an annual basis expiring in January of 2025. The business has been here for 3.5 years and the Seller pays $1,585 per month. Competition: While a competitive market, there have been many changes in the insurance market that will soon create more opportunities as some carriers leave the market. Farmers Insurance remains in the market and working through a restructuring process with the Insurance Commissioner. Growth & Expansion: The Seller recognizes a need for someone who is good at social media advertising and continued involved in the community to reach as many people as possible. Financing: TBD if structure and terms are acceptable. Support & Training: As needed – specific terms for transition support can be negotiated. The Seller wishes to facilitate a successful and smooth transfer of the Business. Reason for Selling: The Seller is looking to go back to his roots in an unrelated industry.
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Buy or Sell an Insurance Business in California
California Insurance Business Market Snapshot
- Number of Businesses: 1 listings
- Average Asking Price: $505,000 (based on 1 listings with disclosed pricing)
- Average Revenue: $25,508
- Average Cash Flow: $181,646
California Insurance Business Market Insight
California insurance agency valuations are expressed as a multiple of annual recurring commissions (ARCs). Personal lines P&C agencies trade at 1.5x-2.5x ARC; commercial lines brokerages range from 3x-5x ARC. Key due diligence includes carrier appointment transferability, client concentration — no single client should exceed 15% of revenue — and E&O claims history. LA County, the Bay Area, and Orange County have the highest transaction volume on BizBen. California's challenging homeowners insurance market — with major carriers limiting state exposure following wildfire losses — has created unique dynamics for personal lines agencies with fire-exposed books that buyers should evaluate carefully.
Why Invest in a California Insurance Agency
- Recurring commission revenue from policy renewals provides highly predictable income independent of new sales activity
- Client retention rates of 85-95% are among the highest of any service business category
- Mandatory auto insurance and complex commercial requirements create consistent essential service demand
- Scalable model — a single licensed agent can manage a multi-million dollar book with minimal overhead
California remains the largest and most active market for insurance agency acquisitions in the country.
Selling Your California Insurance Agency?
Thinking about selling your insurance agency? BizBen connects sellers with qualified buyers and experienced brokers who understand California DOI licensing, carrier appointment transfers, and book of business valuation.