We acquire agencies and books. Let's talk about yours.
Your Policy is actively acquiring independent insurance agencies and books of business across all lines — commercial, personal, employee benefits, life & health, and Medicare. If you're thinking about your next chapter, we'd like to be part of the conversation.
What we're looking for
A home for agencies that want to keep doing what they do best.
Your Policy is an insurance company built on a simple belief: local relationships and community presence drive organic growth. We provide the product infrastructure, centralized service model, and carrier access that make those relationships more productive — not a home office that takes over what's working.
When you join Your Policy, you get the product infrastructure, carrier platform, centralized service model, and capital of a scaled operation — while your producers stay focused on local relationships and community presence. That's the combination that drives growth.
We've done this across multiple states and multiple lines of business. We know how to close quickly, communicate clearly, and integrate without disruption. If you're a producer thinking about retirement, a principal ready for liquidity, or an agency looking for a platform to grow — let's talk.
What changes — and what doesn't
- Your brand is evaluated honestly. If it carries market value, we build on it. We add the Your Policy cobrand alongside what you've earned.
- Your relationships stay. Clients stay with the advisors they know — that continuity is the foundation of retention
- Your local presence becomes a growth engine. Community roots drive referrals. We build the infrastructure around them.
- Your carrier access expands. You gain the full Your Policy carrier platform
- Service centralizes. We handle compliance, technology, carrier relations, and back-office operations from the home office — freeing your producers to sell
- Your growth potential scales. Carrier access, product breadth across all 5 lines, capital, and a proven infrastructure that supports expansion
We acquire agencies and books — in any structure.
Every transaction is different. We work with sellers to find the structure that makes sense for their situation.
Full Agency Acquisitions
We acquire the full agency — staff, systems, carrier relationships, and book. Ideal for principals ready for full or partial liquidity while ensuring continuity for their team and clients.
- Full or partial equity purchase
- Seller can stay involved post-close or transition out
- Agency name retained with "A Your Policy Company" cobrand
- Carrier appointments reviewed and consolidated or expanded
- Earnout structures available for growth-minded sellers
Book of Business Acquisitions
Retiring producers or agencies looking to monetize a book without selling the whole operation. We purchase the book, take over service, and ensure clients are protected through the transition.
- Lump sum or installment purchase structures
- Seller-assisted transition period included
- Client communication managed collaboratively
- All lines considered — personal, commercial, benefits, Medicare
- Renewal-based earnout available for qualifying books
- Clean or needs-work books both considered
We built the platform we wish existed.
Joining Your Policy isn't just a transaction — it's access to a platform built to make independent agents more competitive, not less independent.
Liquidity & Fair Valuation
We pay fair multiples based on revenue, retention, line mix, and growth trajectory — not lowball offers. We don't play games with valuation. If it's a good book or a good agency, we'll pay for it.
Expanded Carrier Access
Your Policy has carrier appointments across all 50 states and all lines. Joining our platform means your producers can write business they couldn't before — without starting from scratch on appointments.
Technology Built for Growth
We invest in a modern, integrated tech stack — agency management, data analytics, benefits administration, HR compliance, and client-facing digital tools. You get the infrastructure of a scaled operation without building it yourself.
Back-Office Support
Accounting, compliance, HR, licensing, carrier relations — the things that pull producers away from clients and revenue. We handle them from the home office so your team can focus on what they're best at.
A Family of Agencies
We centralize service, compliance, technology, and carrier relations at the home office — so your producers can focus on relationships and revenue. Local presence drives the growth. Our infrastructure makes it scalable.
Your Identity Intact
We don't buy agencies to erase them. Your name, your people, and your community presence are what make your book valuable — and what makes your clients stay. We protect that.
We close what we start. Here's how we operate.
Agency acquisitions fall apart for a handful of predictable reasons — valuation surprises late in the process, communication gaps, integration plans that don't survive contact with reality, and sellers who feel like they sold their life's work to a spreadsheet.
We've built our acquisition process around preventing all of that. Here's what you can expect when you talk to Your Policy.
- We give you a non-binding indication of value within 10 business days of receiving your financials — no month-long silence
- We don't retrade. The number we put in the LOI is the number we close at, absent material findings in due diligence
- We assign a dedicated integration lead to every acquisition before the LOI is signed — not after close
- We communicate with your team on your timeline, not ours — we know this is personal, not just a transaction
- We close in 60–90 days for clean books and straightforward agency acquisitions
- We've done this before. We know what surprises happen and we plan for them in advance
From first conversation to close.
A clear, respectful process that moves at your pace.
Confidential Conversation
You reach out — no commitment, no pressure. We learn about your agency, your goals, and your timeline. Everything is confidential from the first call.
Indication of Value
You share basic financials. Within 10 business days we provide a non-binding indication of value — what we'd pay and in what structure. No surprises later.
Letter of Intent
If the indication works, we execute an LOI — locking in the deal terms, exclusivity period, and timeline. We assign your integration lead at this stage.
Due Diligence
A focused 30–45 day review of your book, carriers, systems, and staff. We look for what we need to know — not everything we could possibly ask for.
Close & Integration
We close on the agreed terms and begin the integration plan we've been building since the LOI. Your team knows what to expect on day one.
Common questions from sellers.
We value based on a multiple of trailing 12-month revenue, adjusted for retention rate, line mix, client concentration, carrier relationships, and growth trajectory. We're not a private equity roll-up applying a rigid formula — we look at the whole picture. For high-retention books in growing lines with diversified clients, we pay strong multiples.
Absolutely. Many of our acquisitions include a transition period where the seller remains involved — sometimes years. We also work with principals who want to stay in a production or leadership role post-close. The structure depends on what you want. We build around your goals, not a standard template.
We are licensed or in the process of licensing in all 50 states and are actively acquiring nationwide. Geography is not a barrier — if you have a well-run agency or a quality book, we want to talk regardless of where you're located.
All lines — personal, commercial, employee benefits, life & health, and Medicare. We write all five ourselves, so we understand the economics, the carrier relationships, and the client dynamics across every line. Mixed books are common and welcome.
For a clean book of business acquisition, we can close in 45–60 days from signed LOI. A full agency acquisition with staff and systems typically takes 60–90 days. If there are complexity factors — multiple entities, carrier consent requirements, licensing issues — we plan for them in advance and build the timeline accordingly.
Completely. We don't require an NDA to have an initial conversation, but we'll execute one before you share any financials. We've never had a confidentiality breach in our acquisition process and we take it seriously — we know what it would mean for your agency if word got out prematurely.
Ready to have a confidential conversation?
Whether you're actively exploring a sale or just curious what your agency is worth — we're happy to talk. No pressure, no commitment, complete confidentiality.