Sell Your Insurance Agency to a Family Owned Buyer - Wexford Insurance
Wexford Insurance is a privately held, family-owned national independent agency that acquires agencies in 48 states. Choose 100% cash, cash plus equity rollover, or a merger that lets you ride our growth. Your team stays. Your clients stay. Your legacy continues.
48
STATES WE OPERATE IN
100%+
ANNUAL ORGANIC GROWTH, 5+ YEARS
100's
INBOUND LEADS PER DAY
100%
FAMILY OWNED & OPERATED
Why Agency Owners Sell To Wexford
a different kind of buyer for a different kind of legacy
Most agency owners are pitched the same deal by the same dozen private-equity-backed consolidators. Wexford is built differently - and that changes the math for you, your staff, and your clients.
Family-Owned
Not PE-Backed
We're not flipping your agency in five to seven years. There's no investor exit clock, no forced cost cuts to hit a fund's IRR, and no surprise change of ownership two years after closing. The owners who sign your LOI are the owners who still answer the phone five years later.
Lead Flow That Grows Producers
Wexford generates hundreds of inbound leads daily through SEO and digital marketing. After closing, your producers and CSRs get plugged into that flow. Most agencies see their producers close more business under Wexford's umbrella than they did before.
Expanded Carrier Markets
As a national independent agency, Wexford has carrier appointments your local agency may not. After acquisition, your team can quote markets they couldn't quote before — which means higher hit rates on quotes already in their pipeline.
We Keep Your Staff
Account managers and CSRs stay. We don't gut back-office to cut costs. Your people get a real path forward — competitive comp, better tech, advancement opportunities, and the stability of a profitable, growing agency.
3 Deal Structures
100% cash, cash plus equity rollover into Wexford, or an equity-heavy merger. We tailor the structure to your tax situation, your retirement timeline, and how much upside you want from our continued growth.
National Footprint, Local Feel
We're in 48 states with deep specialty divisions — trucking, contractors, environmental, agriculture, real estate, and more. Your book gets a bigger market behind it without losing the local relationships that built it.
3 Ways To Structure The Deal
Pick the path that fits your goals - not ours
Different owners want different things. Some want a clean exit and a check. Others want to ride the next chapter of growth. Wexford structures every deal around what you need.
PATH 1
100% Cash Offer
Best for owners ready to fully exit and retire.
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One lump sum at closing - no earn-outs to chase
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Cleanest tax treatment for capital gains planning
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Optional 6-24 month transition consulting role
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Fastest path to closing (60-90 days)
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Your name and brand can stay on the door if you want
PATH 2
Cash + Equity Rollover
Best for owners who believe in the upside and want a second payday.
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Substantial cash at closing for liquidity and tax planning
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Rollover equity in Wexford — growing 100%+ (organic) per year
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Second payday at our next recapitalization or sale
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Continued role in growing the combined platforms
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Diversification away from a single-agency concentration
PATH 3
Equity-Heavy Merger
Best for owners with 5-10+ years of runway who want to max long-term upside.
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Smaller cash component, larger equity stake in Wexford
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Active operating role — keep building
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Aligned incentives with our growth trajectory
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Access to Wexford's lead engine, carriers, and back office
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Potential for the largest total enterprise value over time
Not sure which path fits? That's the first conversation we have - before you share a single financial.
PE-Backed Buyer vs. Wexford
An Honest Comparison of Who's Writing The Check
If you're talking to multiple buyers, you should know what's actually different. Here's a side-by-side based on how PE-backed consolidators typically operate compared to how Wexford operates.
This comparison reflects general industry patterns. Individual buyers vary. Always do your own diligence on any acquirer.
THE PROCESS
From First Call to Closing in 60-120 Days
No long, painful M&A processes. No drawn-out auctions. Wexford's owner-led approach moves at the speed of your decisions.
1. Confidential Conversation
30-minute call to understand your goals, timing, and what a successful exit looks like for you. Nothing financial required yet.
2. Mutual NDA & Initial Review
We sign a mutual NDA. You share high-level financials. We share more about Wexford. Either side can walk away — no pressure.
Within 14 days of receiving financials, we provide a non-binding indication of value across all three deal structures.
4. Letter of Intent
If the IOV works, we move to an LOI with agreed price, structure, and key terms. This is the first binding step.
5. Due Diligence & Definitive Agreement
Our team handles diligence efficiently. Your CPA and attorney work with ours on the definitive agreement.
6. Closing & Integration
Close, fund, announce. Then a structured 30/60/90-day staff and client integration designed to feel like business as usual.
WHO WE ACQUIRE
The agencies we look for
Wexford acquires independent insurance agencies of many sizes and specialties. We're not just chasing the biggest checks — we care about fit.
Property & Casualty Agencies
Personal lines, commercial lines, or both. Strong fit for agencies with $200K–$10M+ in commission revenue and meaningful retention.
Specialty & Program Agencies
Trucking, contractors, environmental, real estate, agriculture, food service, manufacturing, hospitality — Wexford has divisions in all of these.
Life & Health Agencies
Group benefits, individual life, Medicare. Especially compelling fit if your P&C book complements an existing producer team.
Books of Business
Producers selling a portion of their book or independent agents winding down their practice. Smaller transactions welcome.
Captive Agents Going Independent
State Farm, Allstate, Farmers, and other captive agents looking to sell. We'll talk through how Wexford's independent platform compares.
Multi-Generational Family Agencies
If your kids aren't taking it over but you care about who does — we are built for this conversation. We've sat across the table from owners just like you.
Click below for a Confidential Valuation
FREQUENTLY ASKED QUESTIONS
What agency owners ask us first - Click for Full Blog Post
Does Wexford really offer 100% cash deals? Yes. For owners who are ready to fully exit and retire, we structure all-cash deals at closing. No earn-outs to chase, no holdbacks, no equity strings attached. The trade-off is usually that 100%-cash deals price slightly lower than a structured deal with rollover equity, because the seller isn't sharing in the upside Wexford creates after closing. We'll lay out the math for both so you can decide what's right.
Is Wexford really not backed by private equity? Correct. Wexford Insurance is a privately held, family-owned independent insurance agency. We're not a PE platform, a PE add-on, or a PE-funded aggregator. We're not on a 5-to-7-year flip cycle. There is no investment committee, no fund hurdle rate, and no quarterly LP reporting driving decisions about your agency or your staff. This matters because it means the people who sign your purchase agreement are the same people running Wexford five years later. You're not getting bought, then bought again, then bought a third time.
What happens to my staff after the deal closes? Account managers, CSRs, producers, and back-office staff stay. Wexford's growth depends on continuity — we're not interested in laying off the people who service your book. After closing, your producers get plugged into our inbound lead engine (hundreds of leads daily) and typically gain access to a more competitive comp structure given our expanded carrier markets. CSRs and account managers gain back-office support, modern tech, and clear advancement paths within a national agency.
Can my agency keep its name and brand? In most cases, yes — at least for a transition period, and often permanently if it makes sense for your local market. Wexford operates several brands today (Excavating Insurance Partners, Total Work Comp, One Hampton Insurance) for exactly this reason. Local brand equity matters. We'll discuss what makes sense for your market.
How long does the sale process take? Most Wexford deals close in 60 to 120 days from first conversation. Initial conversations and a non-binding indication of value typically happen within two weeks. Detailed financial diligence, legal documentation, and carrier consents drive most of the remaining timeline. We're owner-led — we don't wait for an investment committee — so we move at the speed of your decisions.
What about my carrier appointments and contingencies? Wexford has carrier relationships in 48 states across personal, commercial, specialty, life, and health. In most acquisitions, your existing carrier appointments are preserved or absorbed into Wexford's national contracts — and your team typically gains access to more markets than they had before. Contingency and bonus structures are negotiated as part of the overall deal.
Will I have to sign a non-compete? Yes — non-competes are standard in agency M&A and protect both sides. The terms (duration, geography, scope) are negotiable and we'll structure them to protect Wexford's investment without unreasonably restricting your future. We work with your attorney on this.
Should I hire an M&A advisor or broker? That's your call. Industry data suggests sellers with experienced M&A advisors typically receive higher offers and better terms — even after paying advisor fees of around 5%. Wexford works productively with all reputable agency M&A advisors, and we'll never penalize you for being represented. If you want to talk to us directly first to understand whether Wexford is a fit, that's also fine.
What if I'm just exploring and not ready to sell? Most owners we talk to are 1–5 years from selling, not 30 days. A confidential conversation now helps you understand the market, get a realistic value range, and learn what changes between now and closing could increase your sale price by 20–40%. Many sellers regret not starting these conversations earlier — almost no one regrets starting them too soon.
Your agency. Your terms. A buy that's actually different.
Have a 30-minute confidential conversation with Wexford's leadership. No commitment, no obligation, no NDA required to talk. If we're not the right fit, we'll say so — and we may even point you to a buyer who is.
Call: 317-942-0549