Ralph Cummings

EXECUTIVE SUMMARYEstablished Allstate insurance agency generating $3.9M+ in earned premium with 28 years of proven operations at this location in Rocky Mount, NC. This data-rich opportunity demonstrates strong market positioning and operational efficiency metrics.FINANCIAL PERFORMANCE INDICATORS• Earned Premium: $3.9M+ annually with additional brokered book revenue• Market Tenure: 50 years total operations, 28 years at current high-visibility location• Customer Acquisition Efficiency: 50%+ business derived from referral sources, indicating low acquisition costs• Revenue Diversification: Multi-line P&C portfolio with cross-sell opportunities in life and financial services• Asking Price: $1,270,000 (subject to due diligence review)OPERATIONAL METRICS• Staffing Efficiency: 4-person team (3 licensed sales representatives, 1 CSR)• Licensing Coverage: 100% P&C ... Less

FINANCIAL PERFORMANCE OVERVIEWThis established Allstate PRO Agency generates $3.4M in earned premium with 15 years of continuous operations in Boone, NC (Watauga County). The agency demonstrates strong market positioning in the Blue Ridge Mountains region with documented customer loyalty and community integration.OPERATIONAL METRICS• Location: 1,800 sq ft retail center with high visibility signage• Staffing: 2 Customer Service Representatives focused on sales and service• Lease Terms: $2,200/month through November 2025• Asset Base: Furniture and equipment included in transaction• Market Position: Award-winning agency statusREVENUE STRUCTURE• Primary Revenue: Auto and homeowners insurance (preferred customer base)• Growth Opportunities: Cross-selling potential in life and financial services• Commission Structure: New business and renewal commissions plus ... Less

FINANCIAL PERFORMANCE OVERVIEWThis established Allstate agency demonstrates strong market positioning with $5.2M in earned premium, generating substantial revenue streams through a diversified insurance portfolio. Operating continuously for 25 years with current ownership since 2005, the agency has built a stable foundation in Monroe County's insurance market.KEY PERFORMANCE METRICS- Earned Premium: $5,200,000 annually- Market Tenure: 25 years of continuous operation- Current Ownership Period: 20 years (since 2005)- Operational Efficiency: 5-person team structure including owner- Geographic Market: Brockport, NY (population catchment within 20 miles of Rochester)OPERATIONAL INFRASTRUCTURE- Staffing Model: 3 full-time licensed professionals plus owner and Exclusive Financial Specialist- Physical Assets: 800 sq ft office space on Main Street with assumable lease at $800/month- Location Advantage: Corner position in retail center ... Less

EXECUTIVE SUMMARYEstablished Allstate insurance agency generating $8.2 million in earned premium with 9 years of continuous operations in Renton, WA market. Located in high-traffic retail center with 1,125 square feet of office space and assumable lease at $3,300/month including CAM charges.FINANCIAL METRICS- Earned Premium: $8.2 million annually- Annual rent-to-premium ratio: 0.48% (industry benchmark typically 1-2%)- Revenue per square foot: $7,289 (office space utilization metric)- Asking price represents premium multiple reflecting established customer base and market position- Seller financing available with negotiable terms and satisfactory collateral requirements- Bank financing options available through local and national lender networkOPERATIONAL STRUCTURE- Staffing efficiency: 5 total personnel including owner- Licensed personnel: 2 full-time team ... Less

EXECUTIVE SUMMARYEstablished independent property and casualty insurance agency generating $2.0M in earned premiums with $150K annual revenue, representing a 7.5% commission rate. Located in Ocala, Florida (Polk County), this agency demonstrates consistent operational performance with a lean organizational structure.FINANCIAL PERFORMANCE METRICS• Earned Premium Volume: $2,000,000 annually• Gross Revenue: $150,000 (7.5% average commission rate)• Operating Structure: Owner-operator model with 1 Customer Service RepresentativePRODUCT PORTFOLIO ANALYSISDiversified book of business across three primary lines:• Homeowners Insurance• Mobile Home Coverage• Auto InsuranceThis product mix provides risk diversification and captures multiple revenue streams within the Florida market.CARRIER NETWORK & MARKET ACCESSExtensive carrier appointments including:• Tier 1 Carriers: Progressive, GEICO• Specialty Markets: Foremost, Kemper, National ... Less

EXECUTIVE SUMMARYEstablished independent insurance agency partnership generating $1.9M in combined earned premiums with $220,000 annual revenue, representing an 11.6% revenue-to-premium ratio. This dual-location operation presents a strategic acquisition opportunity in the Chicago metropolitan insurance market. FINANCIAL PERFORMANCE METRICS• Combined Annual Revenue: $220,000• Total Earned Premiums: $1,900,000• Revenue Conversion Rate: 11.6% (premium-to-revenue)• Asking Price: $600,000• Geographic Coverage: Cedar Lake, IN and Crete, Chicago, IL marketsOPERATIONAL STRUCTURE• Dual-agency model with 2 established principals• Two strategic office locations serving Indiana and Illinois markets• Mixed portfolio: Personal lines (primary) with commercial lines diversification• Carrier relationships include AAA, Hartford, Progressive, and Travelers• Remote operation capability for both locations• Real estate advantage: Cedar Lake ... Less

EXECUTIVE SUMMARYEstablished 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, MichiganOPERATIONAL 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 yearsTECHNOLOGY INFRASTRUCTURE• Management System: HawkSoft• Rating ... Less

Great opportunity to purchase one of the best agencies in the North Central Florida area. This is a 34 year PRO agency with 3 full-time staff that are very tenured and licensed. The agency consists of $4,698,000+ Allstate Premium and the remaining book consists of Brokered Property ($2,663,000). Renewal ratios are excellent in both Auto (89.2%) and Total Allstate (86.5%). In addition to having excellent current results, this agency is well positioned for continued growth and can be leveraged to maximize the Allstate compensation & bonus programs. Owner is willing to assist with transition. This is a great opportunity to own a quality Allstate Agency! ... Less

Established award winning $2.6 million dollar PRO agency is located in the Golf capital of the Carolinas! This turnkey agency is located in a professional office condo with nearby CPA firm, doctor offices, dentists and other professionals located in the heart of a great small town community. Agency consists of a preferred auto and homeowner customer base with excellent opportunity for growth in cross sales as well as life/financial services. Potential to increase revenues through new and renewal commissions and bonus. Agency owner is well connected in the community and has developed solid customer loyalty. Take advantage of this rare opportunity! ... Less

This established independent personal lines insurance agency represents a compelling acquisition opportunity in the Louisiana market, generating $2.5 million in estimated premiums. The agency has maintained continuous operations for over one year with a proven revenue history and established customer base.Business Overview:The agency operates with a focused product portfolio consisting of 90% personal lines insurance and 10% commercial lines, providing diversified revenue streams while maintaining specialization in personal insurance products. This strategic mix allows for consistent client retention and cross-selling opportunities.Operational Structure:The business operates with a lean staffing model of two personnel: the owner-operator and one dedicated staff member serving as payment processor. This efficient structure ensures streamlined operations while ... Less

Established award winning $5.3 million dollar agency is located in the great town of Cary NC! This turnkey PRO agency is located in the heart of a great small town community. Agency consists of a preferred auto and homeowner customer base with excellent opportunity for growth in cross sales as well as life/financial services. Potential to increase revenues through new and renewal commissions and bonus. Agency owner is well connected in the community and has developed solid customer loyalty. Take advantage of this rare opportunity! ... Less