What is your
insurance agency worth?
Five questions. One number. Built on the same valuation methodology used in real P&C agency transactions — without the broker calls or signed NDAs.
Valuation methods
Tier 3 triangulates revenue multiple, EBITDA multiple, discretionary earnings, and producer NPV — flagging when methods disagree.
Quality factors
Retention, growth trend, margin, book composition, producer concentration, account concentration, AMS, and transition plan — each weighted into the final multiple.
Year cash-flow projection
Tier 3 builds a full 15-year after-tax cash-flow projection with monthly amortization, retention taper, and IRR — the same model buyers use.
The methodology, the language, and the operators behind the number.
How we value an agency →
Three tiers, four methods, eight quality factors. The same logic buyers and consultants use in real transactions.
34 terms, defined →
Revenue multiple, EBITDA, SDE, producer NPV, book roll, earnouts — what they mean and how they move your number.
Operators we trust →
Editorial picks for agencies looking to grow value before they sell. Coaches, networks, and partners — no paid placements.
