Insurance Agency for Sale in Baltimore, MD
Last confirmed active 27 days ago. Listings are re-checked about every two weeks.
Why this business stands out
This property and casualty insurance agency in the Baltimore metro area manages over $3.4 million in total premium across a book of nearly 1,500 policies in force, with a net retention rate of 89% and legacy retention exceeding 91% for clients of five or more years. The agency holds appointments in Maryland, Washington D.C., Virginia, and Delaware, providing multi-state geographic coverage. The combination of high retention metrics and a diversified multi-state license footprint makes this a stable, defensible income asset for an experienced insurance professional.
Financing snapshot
An illustrative SBA 7(a) scenario based on the figures above. Model your own assumptions in the SBA loan calculator.
- Asking price
- $525,000
- Cash flow (SDE/EBITDA)
- $60,000
- Est. down payment (10%)
- $52,500
- Est. SBA loan (10yr @ 10.5%)
- $472,500
- Est. monthly payment
- $6,376
- Annual debt service
- $76,508
- Owner cash flow after debt
- -$16,508
Illustrative only — not a financing offer. Assumes a 10% down payment and a 10-year SBA 7(a) loan at 10.5%. Actual terms vary by lender, deal structure, and buyer profile.
The DSCR shown is computed on raw cash flow — before the owner-salary, maintenance-capex, and rent adjustments SBA lenders apply when underwriting. Model the lender's view in the DSCR calculator.
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- Full business description
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Frequently asked questions
How much does this professional services business cost?
The asking price is $525,000. Exact terms and any seller financing are confirmed directly with the seller after you sign up.
What is the cash flow and valuation multiple?
This business reports approximately $60,000 in annual cash flow (SDE/EBITDA), implying a 8.8x multiple on the asking price.
Where is this professional services business located?
It operates in the Baltimore-Columbia-Towson area. The exact city is shown after you create a free Searcher OS account.
Can this acquisition be financed with an SBA loan?
Many businesses in this price range qualify for SBA 7(a) financing, which can cover up to 90% of the purchase price over a 10-year term. See the financing snapshot above for an illustrative scenario.