Your agency might be worth less than you think — and the reasons probably have nothing to do with your revenue. In part three, Carey and Matt dig into the valuation drivers most owners never see coming: producer-owned books, aggregator contracts, leadership concentration, and the transferability issues that quietly discount an otherwise strong agency.

In this episode:

• Why a multiple of EBITDA is just the starting point
• Producer-owned books: what they are and what they cost you at exit
• Aggregator and cluster contracts — what you signed and what it means now
• The value killers that show up too late to fix
• How leadership and culture factor into what a buyer will actually pay

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Show previously named Insurance Refocused