Get Clarity on Your Insurance Agency's Valuation | COVU

How accurate is this calculator?

It’s directionally accurate. It places your agency into a realistic valuation band based on buyer-used metrics. Final pricing can move within the band based on risk and structure.

Why does EBITDA matter more than revenue?

Buyers buy cash flow, not topline.

Margins, efficiency, and scalability drive valuation—not gross revenue.

Why do similar agencies sell for different multiples?

Because risk sets the multiple. Buyers price agencies based on their risk and growth profile, not just current revenue. What matters most is the expected future cash flow and how predictable and durable it is.

Two agencies can look similar on the surface, yet the one with lower risk and clearer future cash flow consistently commands a higher multiple.

What actually increases valuation?

Production talent beyond the owner
Culture and integration readiness
Client and carrier diversification
Clean technology and data
Reliable financial reporting
Niche or industry focus
Operational maturity

After completing the calculator, you’ll receive follow-up emails and a checklist focused on the valuation levers most relevant to you.

Can I improve valuation without selling soon?

Yes, and that’s ideal.
Owners who prepare 12–36 months ahead get better outcomes and more leverage.

Is a higher multiple always better?

No. Deal structure, earnouts, and post-close control often matter more than headline multiple.

What happens after I get my valuation report from COVU?

After completing the calculator, you will have a clearer understanding of your agency’s position in the market and what is influencing its value. The report is meant to inform your thinking and help you decide what comes next. You can expect:

Your valuation range and EBITDA multiplier
Key drivers and bottlenecks
Practical guidance to improve value
Optional next steps, on your terms

"I was really impressed with COVU — the technology, the systems already in place to absorb the agency, the way they handled my data migration — I didn’t even know that was possible. They took on my employees early on and did a fantastic job managing the book. The service side just worked. If someone called in sick, it didn’t matter — someone would pick up the phone. That kind of reliability took a lot of stress off my plate.

I’m very glad I made the decision. I would absolutely do it again — no question"

Eddie Vitale
Agency Owner, UNO Insurance Services, Texas

“COVU made the process of selling my agency smooth and straightforward. I moved forward with COVU because they felt like a more capable partner: with access to key carriers, stronger infrastructure, and the ability to make us more competitive. My staff felt secure knowing they had a future with COVU.

COVU also seemed like a better cultural match for our diverse client base. If I had to do it all over again, I’d make the same choice.”

David C.
Agency Owner, Lords Insurance, California

"In an era where agency owners relentlessly pursue expansion, COVU is the only technology enabling them to substantially decrease distractions by 75%, concentrating on seamless growth, client retention, and effectual cross-selling.

COVU isn’t merely a tool; it’s a distinctive enabler, ensuring that the automation and expansion desired are not mere projections, but tangible realities that actively shape a more prosperous future."

Alphonso A.
Agency Owner, Aduna Insurance, California