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Buy Insurance Books of Business with Milly Books

Grow your agency by acquisition.

Find the books that fit your agency — from first look to close.

The whole market

Most deals are never listed. Anywhere.

Not a milly rule — the market. Books mostly change hands over a handshake: the one buyer who called, a friend of a friend. PE firms staff deal teams to hear about those early. You run an agency. A buyer profile is how an operator gets the same reach.

WACommercial · $2.4MFit
CAMixed · $3.8M
MTPersonal · $0.9M
ORBenefits · $1.3M
WAPersonal · $1.1M
NVCommercial · $2.9M
IDComm. slice · $0.8MFound you
UTCommercial · $1.8M
CAPersonal · $1.5M
WABenefits · $0.6M
ORMixed · $2.6M
AZCommercial · $2.2M
COPersonal · $1.2M
MTCommercial · $1.0M
ORCommercial · $1.6MFit
NVMixed · $1.7M
CACommercial · $4.1M
UTPersonal · $0.8M
IDMixed · $1.4M
COCommercial · $2.0M
WAMixed · $2.1M
AZMixed · $2.3M
ORPersonal · $1.0M
NVPersonal · $0.9M
MTMixed · $1.3M
CABenefits · $2.8M
UTMixed · $1.6M
AZPersonal · $1.1M
COMixed · $1.5M
WASurplus · $0.9M
IDPersonal · $0.7M
MTBenefits · $0.5M
8 of 32 deals

Searching finds the listed slice. The other 24 changed hands without ever being listed — on milly or anywhere else.

A deal team's edge was never taste — it's reach. A profile is reach an operator can afford: you stop searching the market and become visible to it, to the books that fit you and to the sellers you'd fit.

Verified inventory

The homework starts done.

A book can't list here on a spreadsheet and a promise. The numbers come out of the seller's management system, get checked against carrier statements, and get tidied — before you ever see them.

  • No teaser PDFs. Revenue and retention come from the system, not the pitch.
  • Statements reconciled line by line before the book is allowed to list.
  • The Valuation range is published up front — the same engine sellers see. You both start from one number.
The file · Listing #3120milly
BookCommercial · WA
Premium$2.4M
Revenue$495KFrom the management system, not a spreadsheet
Retention87%Three years, against carrier statements
StatementsReconciledLine by line, before it listed
Valuation$916K–$1.21MPublished · mid $1,039,500
Cleaned up

Slices

Buy the line you're missing — not the whole shop.

The third fit on your list isn't a retirement. It's a slice — an Idaho agency selling its commercial book and keeping the rest. You take the line you want; the seller keeps working.

Commercial slice$0.8MOn the market
Personal lines$0.9MStays with the seller
Benefits$0.2MStays
  • A smaller check, an exact fit. You're not buying someone's whole career to get one line of business.
  • The seller stays in the picture — slices are how owners sell a piece and keep going, so handoffs are clean.
  • Same gates, same file. A slice fits or it doesn't, and it lists with the same reconciled numbers as a whole book.

Slices multiply the inventory that fits you. Most buyers want a line, a place, a cohort — not a retirement. Now that's what's for sale. How slices work →

First look

Fits hear first.

A listing here doesn't start wide. It starts with the buyers it fits — and going wide at all is the seller's call. Where you stand in that sequence is decided long before the bidding: by your profile.

Day oneYou're here

Listed, confidentially

The seller lists without going public. The book is shown to its fits — all three of them — and the ping goes out the same morning.

Audience: 3 fits
That week

The conversations

The fits who ask get the file, under NDA. The seller talks to serious, funded buyers — never a crowd, and never with their name in the air. All three still see the listing; two are in the room.

Asking: 2 of 3
Maybe never

The open market

Going wide is the seller's choice — and plenty of books close before it happens. By then, you've long since had your look.

Audience: everyone

On the open market, being early means refreshing faster than the next buyer. Here, early is structural the fit list exists before the listing does.

The whole deal

One acquisition, end to end.

From three lines of appetite to a closed book — every step, and what each one costs you. Click through the deal.

Buyer profileBrowsing
CarriersErie, ProgressiveAppointments verified
LinesCommercialThe business you write
AreaPacific NorthwestYour counties, plus next door
SlicesOpenA line can fit when a whole book doesn’t

Free, and this is the whole setup. Your profile is also how sellers find you — it works in both directions.

Closed

Deal Architect – now in preview

An institutional-grade M&A deal structuring calculator to help you structure, visualize, and optimize acquisition offers with full risk analysis. Product preview is open—explore builders and sign up for product updates.

Dealflow

A pipeline, not a project.

Growth by acquisition usually means a season of hunting every time you're ready to buy. A profile here is a standing order — it works while you run the agency, and it never asks for attention it hasn't earned.

Mon · Mar 9Nothing.
Tue · Mar 10New fitCommercial · WA$2.4MSame carriers, two counties over
Mar 11 → May 4Eight weeks of mornings — nothing.
Tue · May 5New fitCommercial · OR$1.6MSame lines, next county down
May 6 → Aug 17A quiet summer — nothing.
Tue · Aug 18New fitCommercial slice · ID$0.8MRounds out your commercial line

Three fits between March and August, and not one morning of scanning. When nothing fits, you hear nothing. That's what a pipeline is — it runs while you run the agency.

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