Due Diligence.
Read Due Diligence from every angle — the buyer’s procedure, the seller’s experience, the market structure, and the marketplace mechanics that streamline it.
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For BuyersBook Defensibility — Ownership, Non-Competes, Renewals7 minFor BuyersNon-compete enforceability in insurance agency deals8 minFor BuyersProducer-owned books and free-agent risk for buyers8 minFor BuyersRenewal rights and expirations in agency acquisitions8 minFor BuyersCustomer Due Diligence for Buyers: Book Quality and Concentration15 minFor BuyersRetention & Quality — Measuring Book Health Correctly8 minFor BuyersThe Existential Dozen and top-10 client concentration8 minFor BuyersThe 15% rule for single-client concentration in agencies8 minFor BuyersLeaky Bucket Syndrome and sub-83% agency retention9 minFor BuyersPolicies per client as a book-quality signal for buyers8 minFor BuyersPolicy vs premium retention for insurance agency buyers9 minFor BuyersVerification & Protection — File Review & Earnouts7 minFor BuyersThe client file review playbook for agency acquisitions9 minFor BuyersEarn-out provisions for pricing agency retention risk8 minFor BuyersSeller transition plans for agency post-close continuity8 minFor BuyersThe triangulation method for agency revenue diligence9 minFor BuyersAsset purchase vs stock purchase for agency buyers9 minFor BuyersFinancial due diligence checklist for agency buyers8 minFor BuyersEarn-outs, holdbacks, and seller notes for agency buyers9 minFor BuyersFinancial Due Diligence for Buyers: The Forensic Investigation15 minFor BuyersFinancial Modeling for Buyers — Statement Construction8 minFor BuyersBalance sheet forensics for insurance agency buyers9 minFor BuyersCash flow analysis for insurance agency acquisitions9 minFor BuyersFinancial ratios for insurance agency acquisitions9 minFor BuyersNormalized EBITDA verification for agency acquisitions9 minFor BuyersPro-forma income statement for agency acquisitions9 minFor BuyersRisk Assessment — QoE, Concentration & Trust Audit8 minFor BuyersHard-market valuation in insurance agency acquisitions9 minFor BuyersPremium trust account audits for insurance agency buyers9 minFor BuyersQuality of Earnings reports for insurance agency buyers9 minFor BuyersRevenue concentration risk in insurance agency deals9 minFor BuyersOperational Due Diligence for Buyers: Tech, Workflows, People, Reputation13 minFor BuyersProcess & Dependency Risk — Key-Person & Workflow DD7 minFor BuyersKey-person risk — who the agency can't run without8 minFor BuyersWorkflow benchmarking — productivity, spread, and synergy8 minFor BuyersReputation due diligence — the high-value, low-effort read8 minFor BuyersTechnology & Tech Debt — AMS Diagnosis & Cost Modeling7 minFor BuyersAMS due diligence — reading the tech debt you'll inherit8 minFor BuyersCalculating tech debt — and structuring the retrade8 minFor BuyersBuyer Protection & Process — R&W, Tail, CIC, Reverse DD7 minFor BuyersAMS integration in diligence — past the spreadsheet export8 minFor BuyersCarrier change-of-control — securing the appointments8 minFor BuyersE&O tail at closing — the claims-made gap, covered8 minFor BuyersProducer non-piracy — securing the book you're buying8 minFor BuyersReps and warranties — the protection process for closing8 minFor BuyersReverse due diligence — when the seller vets the buyer8 minFor BuyersFinancial & Trust Verification — QoE & Retrade Defense7 minFor BuyersRetrade defense — real findings vs. leverage plays8 minFor BuyersSeller-commissioned QoE — the speed and defense tool8 minFor BuyersThe trust position ratio — the fiduciary balance test8 minFor BuyersStreamlining Due Diligence for Buyers: The Process-Efficiency Cluster13 minFor BuyersVDR & Disclosure — Data-Room Mechanics for Diligence Speed7 minFor BuyersPre-LOI data-room population — the 60-day prep window8 minFor BuyersStaged disclosure — what to release, in which stage8 minFor BuyersThe virtual data room — diligence at speed, securely8 min