The brief on the business of insurance.
Independent analysis for principals of independent P&C agencies: the M&A wave, agency valuation, carrier dynamics, and the operational decisions that determine what an agency is worth in five years. Sourced from public filings and named industry data, in the operator's own vocabulary.
Cornerstone guides & analysis
All articles →Why Agency Multiples Held While Deal Volume Fell: The 2026 M&A Picture in Four Datasets
Three years of declining deal counts barely moved the price of an agency. The borrowing-spread math the advisors publish explains both, and they expect it to turn.
Cornerstone GuideE&O Insurance for Independent Insurance Agencies
What drives agency E&O pricing, the coverage-form questions that decide claims, and the renewal discipline that keeps both premium and gaps down.
Cornerstone GuidePremium Financing for Insurance Agencies: How It Works and How to Choose a Partner
How premium finance companies earn, how agencies earn on the volume they originate, where the E&O exposure hides, and the framework for choosing a partner.
Cornerstone GuideComparing the Top Agency M&A Advisors: MarshBerry, Sica Fletcher, Reagan Consulting, OPTIS Partners
An operator-perspective overview of the four major firms and a six-step selection framework.
Cornerstone GuideHow to Value an Insurance Agency in 2026
The framework serious M&A advisors use, anchored on the 2025 publicly reported multiple data.
Cornerstone GuideThe Complete Guide to Agency Management Systems for Independent P&C Agencies
The seven decisions that actually matter when choosing an agency management system, the six-step selection framework, and why platform-fit beats platform-quality every time.
The brief on the business of insurance.
Tuesdays. 4-minute read. Operator-level intelligence. No carrier funding, no consultant vocabulary, no spam.