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Multiple Location Standard / Non-Standard Auto Agency Tech Driven!
San Diego, CA – (San Diego County)
Seller Financing Available!

  • Asking Price: $2,600,000
  • Cash Flow: $635,000
  • Gross Revenue: $1,450,000
  • FF&E: $25,000
  • Inventory: N/A
  • Established: 2005

Business Description

Multiple Location Standard / Non-Standard Auto Agency Tech Driven! – This dynamic agency with 2 locations utilizes a scalable marketing system to produce approximately 1000 policies per month. A 13-year-old agency with a strong book of business, licensed in multiple states. 8 licensed producers with a relatively low turnover. Paperless and technology-driven, with heavy lead flow due to consistent and effective advertising. Most policies on EFT. Great quality control and good relationships with carriers.

NDA required for first round due diligence package. 

Detailed Information

  • Employees: 10
  • Furniture, Fixtures, & Equipment (FF&E): Included in asking price
  • Facilities: 2 offices located in retail centers – 1 in San Diego 1, in the Greater Phoenix area. Long term lease in place for San Diego office. Phoenix area office lease does expire in 2019, so it could stay open or be closed with this sale, depending on the Buyer’s ideal plan. A small number of clients come into each office to pay bills, but most business is done online, through email, and through text, so both offices are relocatable.
  • Competition: Plenty of competition in the standard and non-standard auto insurance space. This Company is very well positioned with advertising, online presence, and brand recognition. Rapid response to inquiries and a high level of customer service make this Company a strong player in the space.
  • Growth & Expansion: This is an excellent roll-up opportunity for an existing agency that can take advantage of cross-selling opportunities. An owner-operator who wants to take over the agency as-is can sustainably grow by adding producers, potentially adding an additional marketing channel, and continuing to take excellent care of prospects and clients.
  • Financing: If the price and deal structure are right.
  • Support & Training: As needed.
  • Reason for Selling: Other business Interests.

Competitive Landscape

Low-interest rates, sluggish premium growth, and rising catastrophe losses are putting downward pressure on margins for insurance agencies and brokerages. Soft market conditions drive consolidation in the industry as companies look to maximize revenue growth.

While the traditional intermediation model remains dominant worldwide, direct-to-consumer digital distribution of insurance policies threatens brokerage sales in many established and emerging markets. Companies also face growing competition from banks, financial advisers, and nontraditional distributors.

To win business, agencies rely on marketing, client referrals, and customer service. Name recognition, connections with more insurers, and the ability to craft more complex insurance packages are benefits of belonging to large brokerage networks. Small agencies may compete by specializing in a specific product line or customer group.

When the economy contracts, demand for insurance falls as consumer income and commercial activity decline. During periods of economic difficulty, smaller agencies may branch into more diversified fields to build business. Despite the prominence of large companies in the commercial segment, the US industry remains highly fragmented: the largest 50 firms account for about 25% of revenue. – (source: Dunn & Bradstreet First Research)

Bright Outlook

As a very well-run agency with aggressive advertising and a streamlined sales process, this is an excellent acquisition as an add-on for a larger company or for an owner operator that wants to step into a business that is already profitable.

The Seller suggests that the Buyer of this Company continue the same practices already in place, add salespeople, increase cross-selling, and if possible, apply economies of scale to lower costs and improve outreach. A deep dive into the financial history of this Company will show the tremendous growth that current systems have made possible over what the Company was doing before the current Owner acquired it. We see a very bright outlook for the new Owner who takes it from here.

Competitive Advantage

The Company believes that customer service and quick response are key to retaining and gaining new customers. They rely heavily on technology to reach the customer fast through an auto dialer and auto texting.

Because the Company has appointments with so many carriers, agents are able to very quickly find the best possible rate for a prospect. The combination of the large product inventory and quick response customer service, along with continuous advertising, all contribute to this Company’s competitive advantage.

ProNova Partners Buyer Profile & NDA

***RED STARS ARE REQUIRED FIELDS*** This information is required and must be filled in completely before the Seller will release any vital information, including business address, financial due diligence package on file, and other sensitive confidential information. It will also be used by ProNova Partners to match your buyer profile with future similar engagements our firm has for sale. * Required


The undersigned Buyer, individually and on behalf of any affiliated prospective buyer, acknowledges being first introduced to and requests Confidential Information about the following business identified herein on this website by Broker (ProNova Partners – the DBA of Ace Business Brokers, Inc. CA BRE#01869984) or any of the agents working for ProNova Partners. Such Confidential Information shall be provided to Buyer for the sole purpose of evaluating the possible purchase by Buyer of all or part of the stock or assets of the Business. As used in this agreement (Agreement), the term Buyer (Buyer) applies to the undersigned and any partnership, corporation, individual, or other entity with which the undersigned is affiliated. Buyer agrees as follows:


Buyer acknowledges that the owner of the Business (Seller) desires to maintain the confidentiality of the information disclosed. Buyer agrees not to disclose or permit access to any Confidential Information without the prior written consent of the Seller, to anyone other than Buyer’s legal counsel, accountants, lenders, or other agents or advisors to whom disclosure or access is necessary for Buyer to evaluate the Business. Disclosure of the Confidential Information shall be made to these parties only in connection with the potential acquisition of the Business, and then only if these parties understand and agree to maintain the confidentiality of such Confidential Information. Buyer shall be responsible for any breach of this Agreement by these parties, and neither Buyer nor these parties shall use or permit the use of Confidential Information in any manner whatsoever, except as may be required for Buyer to evaluate the Business or as may be required by legal process. If the Buyer does not purchase the Business, Buyer, at the close of negotiations, will destroy or return to Broker (at Seller’s direction) all information provided to Buyer and will not retain any copy, reproduction, or record thereof.


I have read paragraph 1 and by entering my initials below I agree to be bound by all terms of paragraph 1 (Please type your initials). *

The term “Confidential Information” shall mean all information including the fact that the Business is for sale, all financial, production, marketing and pricing information, business methods, business manuals, manufacturing procedures, correspondence, processes, data, contracts, customer lists, employee lists, and any other information whether written, oral, or otherwise made known to Buyer; (a) from any inspection, examination, or other review of the books, records, assets, liabilities, processes, or production methods of Seller; (b) from any communication with Seller or Seller’s broker, directors, officers, employees, agents, suppliers, customers or representatives; (c) during visits to Seller’s premises; or (d) through disclosure or discovery in any other manner.


I have read paragraph 2 and by entering my initials below I agree to be bound by all terms of paragraph 2 (Please type your initials). *

ProNova Patners has received information about this Business from the Seller which may include, but is not limited to, tax returns, financial statements, equipment lists, and facility leases. Based on information provided by sellers, ProNova Partners often prepare a summary description of the business which may include a cash flow projection, an adjusted income statement, or a seller discretionary cash flow statement. Buyer understands that the Broker does not audit or verify any information given to Broker or make any warranty or representation as to its accuracy or completeness, nor in any way guarantee future business performance. Buyer is solely responsible to examine and investigate the Business, its assets, liabilities, financial statements, tax returns, and any other facts which might influence Buyer’s purchase decision or the price Buyer is willing to pay. Any decision by Buyer to purchase the Business shall be based solely on Buyer’s own investigation and that of Buyer’s legal, tax, and other advisors and not that of ProNova Partners. Any costs incurred from consultations with advisors throughout the acquisition period will be the sole and exclusive responsibility of the Buyer.


I have read paragraph 3 and by entering my initials below I agree to be bound by all terms of paragraph 3 (Please type your initials). *

The Seller has entered into an agreement providing that Seller shall pay a fee to the listing broker if, during the term of that agreement or up to twenty-four months thereafter, the Business is transferred to a buyer introduced by the listing broker or a cooperating broker. Buyer shall conduct all inquiries into and discussions about the Business solely through Broker and shall not directly contact the Seller or the Seller’s representatives. Should Buyer purchase all or part of the stock or assets of Business, acquire any interest in, execute any lease at the Business premises, or become affiliated in any capacity with Business without Broker’s participation, or in any way interfere with Brokers’ right to a fee, Buyer shall be liable to the listing broker and the cooperating broker for such fee and any other damages including reasonable attorney’s fees.


I have read paragraph 4 and by entering my initials below I agree to be bound by all terms of paragraph 4 (Please type your initials). *

Neither Buyer nor Buyer’s agents will contact Seller’s employees,customers, landlords, or suppliers, nor linger or otherwise observe the Business, without Seller’s consent. For three years, Buyer shall not directly or indirectly solicit for employment any employees of Seller. Broker may act as a dual agent representing both Buyer and Seller. Seller and Seller’s successors are specifically intended to be beneficiaries of the duties and obligations of this Agreement and may prosecute any action at law or in equity necessary to enforce its terms and conditions as though a party hereto. This Agreement can only be modified in writing, signed by both Broker and Buyer. Waiver of any breach of this Agreement shall not be a waiver of any subsequent breach. This Agreement supersedes all prior understandings or agreements between the parties with respect to its subject matter. This Agreement shall be construed under and governed by the laws of the State of California. The venue for any action instituted to enforce any terms of the Agreement shall be in the county in which the Business is located. This Agreement may be signed in counterparts and faxed and electronic form signatures may be considered as originals. If Buyer is a corporation, partnership, or other such entity, the undersigned executes this Agreement on behalf of Buyer and warrants that He/She is duly authorized to do so. Buyer acknowledges receipt of a fully completed copy of this Agreement.

I have read paragraph 5 and by entering my initials below I agree to be bound by all terms of paragraph 5. ~Digital/Physical Signature Required ~ By typing my FULL NAME below I agree to be bound by all terms of paragraph 5 and the entire ProNova Partners Confidentiality Agreement
*Please type your FULL NAME to validate your acceptance of all terms of this agreement.* *

If you do not receive the CIM within 24 hours please send an email request to [email protected]

Or call us direct at 833-ProNova (833-776-6682) Thanks!

Contact info

Rick Carlson
Rick Carlson

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