Mergers & Acquisitions

You Built Something Remarkable.
Let's Make It Last.

Aiden acquires and partners with independent insurance agencies who want to preserve their legacy, give their team a future, and upgrade to AI-powered technology — without surrendering to a faceless PE rollup.

Start a Confidential Conversation → See How It Works
51
State Licenses
60–120
Days to Close
100%
Team Retention Goal
0
Earn-Out Surprises
The Reality

The Industry Is Shifting.
Your Window Is Open.

Independent agencies face converging pressures that make the next 3–5 years a critical decision window.

The Succession Crisis

33%
of agency principals feel unprepared for succession

The average age of an agency principal is 57. Over half want to retire in the next decade but haven't formalized a plan.

The Technology Gap

78%
of clients expect digital-first experiences

AI is reshaping underwriting, quoting, and servicing. Agencies still running on spreadsheets are losing accounts to tech-enabled competitors.

The Consolidation Squeeze

650+
agency M&A deals annually in the U.S.

PE-backed brokerages are acquiring aggressively. The question isn't if consolidation will reach you — it's when.

The Aiden Difference

Not All Exits Are Equal

Most acquisitions follow the same playbook — aggressive cost-cutting, brand erasure, and broken promises. We built Aiden to be different.

Typical PE Rollup

The 18-Month Earn-Out Trap

  • Earn-out structures that shift risk back to you
  • Your brand disappears within the first year
  • "Synergies" that mean layoffs for your team
  • Centralized operations that destroy local relationships
  • Legacy systems forced onto your workflow
  • Quarterly calls with a regional VP who's never met your clients
  • Cookie-cutter integration with no regard for culture
The Aiden Partnership

Your Legacy, Amplified

  • Clean, fair deal structures with transparent valuation
  • Your brand and local identity preserved
  • 100% team retention target — your people are the asset
  • Local autonomy backed by national-scale carrier access
  • AI platform that amplifies what your team already does well
  • A named partner who knows your business
  • Culture-first integration built around your team's strengths
Why Partner With Aiden

What You Actually Get

We don't just write a check and disappear. We invest in your agency's future with technology, resources, and operational support.

01

AI-Powered Technology Stack

Your team gets instant access to Aiden's proprietary AI risk engine — automated quoting, intelligent renewal management, and predictive analytics.

02

Expanded Carrier Access

Leverage Aiden's appointments across 50+ carriers and all 51 jurisdictions. Place risks you couldn't before.

03

Operational Infrastructure

Compliance, licensing, E&O, accounting, HR, marketing — the back-office burden that eats up 30% of your time. We handle it.

04

Career Paths for Your People

Your team gets access to training, advancement, and specialization opportunities they'd never have at an independent shop.

05

Local Autonomy, National Scale

Keep running your agency the way you built it — same clients, same community presence. But with national resources behind you.

06

Flexible Deal Structures

Cash at close, retained equity, transition consulting, or a clean exit. No predatory earn-outs, no hidden clawbacks.

Who We're Looking For

The Agencies We Partner With

We're selective because quality matters more than volume. We want partners who share our values.

$500K – $50M+ in annual revenue
We work with agencies across the size spectrum — from focused local shops to established regional brokerages.
Commercial lines focus
P&C, general liability, workers' comp, commercial auto, professional liability, or specialty lines.
Strong client retention
Agencies with 85%+ retention rates signal deep relationships and well-served clients.
A team worth investing in
Licensed producers, experienced CSRs, and capable account managers are what make a book valuable.
Owners ready for the next chapter
Whether that's retirement, reduced involvement, or staying on to grow with new resources.
Don't see yourself here exactly? We're flexible. If you run a well-managed agency with happy clients and good people, we want to talk.
How It Works

From First Call to Partnership

No surprises, no pressure. Our process is designed to be transparent, respectful, and built around your comfort level.

Week 1

Confidential Conversation

A private, no-obligation call with our acquisitions team. Everything is protected by mutual NDA from the very first interaction.

Weeks 2–3

Discovery & Valuation

We'll review your financials, book composition, and team structure. You'll receive a clear, written indication of value — not a vague range.

Weeks 3–4

Letter of Intent

A formal LOI that spells out the deal structure — purchase price, payment terms, transition plan, and your role going forward.

Weeks 4–8

Due Diligence & Legal

A thorough but respectful review of your agency's operations, financials, contracts, and compliance.

Weeks 8–12

Close & Integration

Signing, funding, and a thoughtful transition plan tailored to your agency. Your team gets training and support, not disruption.

From Our Partners

What Agency Owners Say

"We talked to three PE firms before Aiden. They all wanted to strip the agency to the studs. Aiden was the only one that asked about our people first, our clients second, and the financials third."

AP
Agency Principal
Commercial P&C — Southeast

"I spent 28 years building this agency. The thought of handing it to a faceless corporation made me sick. Aiden let me keep my name on the door and gave my team tools I couldn't have afforded in a hundred years."

FO
Former Agency Owner
Mixed Book — Midwest

"The AI platform alone was worth the conversation. Our quoting time dropped by 70%. My producers are writing more business than ever. And I'm finally sleeping through the night."

AP
Agency Principal
Workers' Comp Specialist — West
Questions & Answers

What Agency Owners Ask Us

How does Aiden value an insurance agency?
We use a comprehensive approach that considers revenue, retention rates, loss ratios, growth trajectory, carrier mix, client concentration, and team strength. You'll receive a clear, written valuation with full transparency into our methodology.
Will my team keep their jobs?
Yes. We acquire agencies because of the people who built them. Our goal is 100% retention, plus career growth opportunities. We've never done a layoff following an acquisition.
Do I have to stay on after selling?
That's entirely your call. Some owners want a clean exit. Others want to stay on for 1–3 years. A few want to keep building with Aiden's resources behind them. We design each deal around your preferences.
How long does the process take?
Most transactions complete within 60 to 120 days from initial conversation to closing. Simple deals can move faster. More complex situations may take longer.
What size agencies does Aiden work with?
We partner with agencies ranging from $500K to $50M+ in annual revenue. Quality of the book, strength of the team, and cultural alignment matter more than raw size.
Is this conversation really confidential?
Absolutely. Every conversation is protected by a mutual NDA from the very first interaction. We treat confidentiality as non-negotiable.
What about my carrier appointments?
We work through carrier novation or assignment. In most cases, your existing relationships are maintained and strengthened — Aiden's national volume gives your agency more leverage.
How is Aiden different from other acquirers?
Three things: we're technology-forward (genuine AI platform), culture-first (your identity preserved), and transparent (straightforward deal structures, no earn-out games).
Let's Talk

Start a Confidential Conversation

No pressure, no obligation. Just an honest conversation about your agency, your goals, and whether Aiden is the right partner.

Protected by mutual NDA. We will never share your information without your explicit consent.

Thank you.

A member of our M&A team will reach out within 24 hours. Everything you've shared is confidential.