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DECATUR, AL - FULLY STAFFED MILLION DOLLAR INSURANCE AGENCY Turnkey Opportunity with Strong Recurring Revenue This established franchise insurance agency represents an exceptional acquisition... Businesses Franchises Brokers Loading... Decatur, AL--Fully Staffed Million Dollar Insurance Agency Decatur, AL (Morgan County) Previous Next Asking Price:$900,000 Cash Flow (SDE):$516,000 EBITDA:Not Disclosed Gross Revenue:Not Disclosed Established:2000 Decatur, AL--Fully Staffed Million Dollar Insurance Agency Business Description A turnkey opportunity with strong recurring revenue DECATUR, AL - FULLY STAFFED MILLION DOLLAR INSURANCE AGENCY Turnkey Opportunity with Strong Recurring Revenue This established franchise insurance agency represents an exceptional acquisition opportunity in the thriving Decatur, Alabama market. With over $1 million in annual revenue and $516,000 in seller's discretionary earnings, this business demonstrates strong financial performance and profitability. BUSINESS OVERVIEW: Established franchise insurance agency operating in the area for over 10+ years with a fully developed customer base and proven revenue history. The agency benefits from the strength and recognition of an established franchise system while maintaining local market presence. FINANCIAL HIGHLIGHTS: - Annual Revenue: Over $1,000,000 - Cash Flow (SDE): $516,000 - Strong recurring revenue model typical of insurance operations - Fully staffed and profitable book of business - Sizeable established client portfolio LOCATION & FACILITIES: Strategically positioned in a busy, accessible location near a major commercial intersection in Decatur, maximizing visibility and client convenience. The 1,200 square foot office space is currently leased at $1,033 per month with lease terms extending through December 1, 2026. OPERATIONAL ADVANTAGES: - Fully staffed operation requiring minimal management transition - Established franchise support system - Active Chamber of Commerce membership enhancing community presence - Prime location in Morgan County's economic center TRANSITION SUPPORT: The current owner is relocating and is committed to ensuring a smooth transition by remaining available in the office to provide comprehensive support during the ownership transfer period. This represents a rare opportunity to acquire a well-established, profitable insurance agency with strong market positioning, experienced staff, and proven systems in place. The business offers immediate cash flow potential with the stability of recurring insurance revenue streams. Ideal for an experienced insurance professional or investor seeking a turnkey operation in Alabama's growing insurance market. Ad#:2523939 Detailed Information Employees: 2 Full-time Facilities: Printers, laptops, monitors, desks, chairs, logos, rugs, conference tables, refrigerator, microwave, office supplies, internet, and free accessible parking. Competition: Current member of Decatur-Morgan County Chamber of Commerce Busy accessible location Near major commercial intersection Support & Training: Willing to remain in office to support through transition Reason for Selling: Owner Relocating Franchise: This business is an established Allstate Insurance Agency franchise Business Location Location: Decatur, AL Real Estate: Leased Building SF: 1,200 Rent: $1,033.00 2215 Danville Rd SW2215 Danville Rd SW, Decatur, AL 35601, USA Maps ←Move left→Move right↑Move up↓Move down+Zoom in-Zoom outHomeJump left by 75%EndJump right by 75%Page UpJump up by 75%Page DownJump down by 75%Keyboard shortcutsMap DataMap data ©2026 GoogleMap data ©2026 Google10 km Click to toggle between metric and imperial unitsTermsReport a map error Demographic Information for Decatur Area Household Income Population Age Population Trend Population by Race/Ethnicity BizBuySell EDGE Financial Benchmarks for Alabama Insurance Agencies Gross Revenue Benchmarks Cash Flow (SDE) Benchmarks EBITDA Benchmarks BizBuySell EDGE Listing Statistics Saved This Listing Listing Last Updated Appeared in Search Listing Detail Views BizBuySell EDGE Know the True Market Value Before You Make an Offer Get valuation data to negotiate with confidence. Get a Valuation Report Business Listed By: Shayla McGinnis Phone Number 256-616-8896 Voice only (no SMS) Ad#:2523939 The information in this listing has been provided by the business seller or representative stated above. BizBuySell has no stake in the sale of this business, has not independently verified any of the information about the business, and assumes no responsibility for its accuracy or completeness. Read BizBuySell's Terms of Use before responding to any ad. Learn how to avoid scams. Contact Form Full Name* Enter a valid Full Name Phone Number Enter Phone Number Email Address* Enter Email Address Optional Message Yes, send me the Buyer Newsletter for popular businesses, tips, & email promotions. Show sellers you’re serious - learn about BizBuySell Edge for premium buyer tools & alerts Send Message By clicking the button, you agree to BizBuySell’s Terms of Use and Privacy Notice Business Listed By: Shayla McGinnis Phone Number 256-616-8896 Your request has been sent. What Happens Next? is reviewing your details. A representative will reach out soon to discuss your options. Expect a response in 1-2 business days. Report an issue with this listing Similar Listings Insurance Agencies for Sale All Businesses for Sale in Morgan County All Businesses for Sale in Decatur, AL Allstate Agency in Central Alabama Autauga County, AL Asking: $975,000 Established CPA Practice with Growth Potential-SBA Pre-Qualified Baldwin County, AL Asking: $965,000 230-Unit ATM Portfolio | $350K Annual Cashflow | Fully Vendor Loaded Mobile County, AL Asking: $1,700,000 Cruise Planners Franchise Opportunity Cash Required: $9,995 ©2026 CoStar Group Send Message Listing Shared via Email a6301374279843840.cdn.optimizely.com a6301374279843840.cdn.optimizely.com is blocked This page has been blocked by an extension Try disabling your extensions. 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Why we like it
- Earnings quality is strong on paper: $516,000 of SDE on $1,000,000 of revenue is a 51 percent margin, which is typical of a mature insurance book where renewal commissions carry very little marginal cost. Rent is trivial at $1,033 per month and the team is just two full-time staff, so overhead is lean and predictable.
- The moat is recurring revenue with sticky retention. Personal lines insurance renews annually with high stay rates, and customers rarely shop their auto and home policies aggressively, so the book compounds quietly with minimal churn. Being a captive Allstate agent limits carrier flexibility but also provides brand trust and a steady stream of company-driven leads.
- Insurance is genuinely recession-resistant. People are legally required to carry auto insurance and lenders require home coverage, so premiums keep flowing regardless of the economy, and commission revenue holds up when discretionary businesses collapse. That durability is exactly what you want in a first acquisition or a cash-flow anchor.
- The price is attractive relative to earnings. At 1.74x SDE this is well below typical insurance agency multiples of 2.5x to 4x, which suggests either a motivated relocating seller or a franchise transfer wrinkle worth understanding. If the SDE verifies and the Allstate agreement transfers cleanly, the entry price offers real downside protection.
How to improve it
- Verify and then defend the book's retention within the first 90 days. Map policy counts, renewal dates, and lapse rates, then implement a systematic renewal-call and cross-sell cadence to lift the number of policies per household. Selling a home policy to auto-only customers and vice versa is the fastest lever on an existing book.
- Push cross-selling of ancillary Allstate products such as life, umbrella, and renters coverage. These add commission dollars on customers you already own with near-zero acquisition cost, and they materially increase retention because multi-line households almost never leave.
- Build a referral and local-lead engine to reduce dependence on company-supplied leads. Leverage the existing Chamber of Commerce membership, set up structured referral asks with each policyholder, and run simple local digital campaigns to keep new business flowing after the relocating owner leaves.
- Audit staff roles and productivity before closing. With only two employees carrying a $1M book, understand exactly who owns which relationships and whether commissions or bonuses are tied to production, then lock in key staff with retention agreements so the book does not walk out the door.
- Tighten the SDE add-back schedule and normalize owner compensation. A seller who is relocating may have been running the agency semi-actively, so confirm what management labor is truly required and whether a hired producer or agency manager would eat into the $516,000 before you underwrite the return.
- Negotiate lease and franchise term certainty. The current lease runs only through December 2026 and the Allstate franchise agreement must transfer, so lock down renewal options on both before closing to avoid a forced move or an involuntary book handoff shortly after purchase.
Diligence notes
- Understand exactly how the Allstate captive agreement transfers. Confirm Allstate's approval process for a new agent, the commission schedule you will inherit, any minimum production or loss-ratio requirements, and whether the book truly conveys to the buyer or reverts to the carrier. This single item can make or break the deal.
- Reconcile the $516,000 SDE to actual commission statements from Allstate and to tax returns. Insurance revenue is well documented at the carrier level, so demand two to three years of commission reports and P&Ls, and separate stable renewal commissions from new-business and contingency bonuses that may not repeat.
- Analyze the book's composition and retention history. Pull policy counts by line, average premium, policies per household, and the last three years of lapse and cancellation rates. A shrinking book or heavy concentration in a few large accounts changes the valuation dramatically.
- Assess owner dependence and staff stability. With just two full-time employees, determine whether the relocating owner personally holds key client relationships and whether the staff intend to stay. Confirm who is a licensed producer and whether the buyer must hold specific Alabama insurance licenses to operate.
- Confirm lease and location risk. The lease expires December 2026 with rent at $1,033 per month, so verify renewal terms, any relocation restrictions in the franchise agreement, and whether the current address is material to client retention in this local market.
Source
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