North Dakota · Insurance Agencies (P&C + Life)

Insurance Agencies (P&C + Life) Business Brokers in North Dakota

Selling a insurance agencies (p&c + life) business in North Dakota is a specialist job. Brokers below have closed deals in this industry and know what North Dakota buyers actually pay.

Typical deal size

$3M

Range $500K – $20M+

SDE multiple

N/A (EBITDA is industry standard; revenue multiple of 1.0x–1.5x gross commissions used for smallest book purchases)

EBITDA multiple

P&C commercial lines focus: 7x–10x EBITDA (mid-market; PE-driven roll-ups at 12x–14x for platforms). Small personal lines (<$1M revenue): 4x–6x EBITDA. Life agencies: typically lower, 4x–6x, due to less recurring/renewal premium stability. Internal perpetuation valuations: ~9.3x EBITDA (Reagan Consulting 2024 data)

What drives value in North Dakota insurance agencies (p&c + life) sales

→Policy retention rate >88% (90%+ commands top multiple)
→Commercial lines mix (higher margins than personal lines)
→Diversified carrier appointments (multiple A-rated carriers)
→No single client >5–10% of revenue

Selling soon? Run the free valuation calculator first — brokers see your numbers before the call.

No Insurance Agencies (P&C + Life) specialists listed in North Dakota yet

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