LEGAL & FINANCIAL DISCLAIMER
Last Updated: August 2026
- General Marketplace Disclaimer
AgencyLedge.com is an independent listing directory and resource platform for insurance agency professionals[cite: 1, 10]. AgencyLedge is NOT a registered business broker, investment banker, securities broker-dealer, M&A advisory firm, or licensed legal counsel. - Unaudited Seller Information
All data, financial metrics (including revenues, cash flow, EBITDA, retention ratios, and loss histories), and operational claims contained in listings are provided directly by sellers or their designated representatives. AgencyLedge does not audit, verify, warrant, or guarantee the accuracy, completeness, or legitimacy of any listing[cite: 1]. Buyers bear full responsibility for independent due diligence, carrier contract reviews, and financial audits[cite: 1]. - Free Tools & Calculator Estimates
Calculators provided on AgencyLedge.com (including Valuation Multiple Benchmarks, Loan Repayment / DSCR models, and Commission calculators) provide hypothetical mathematical estimates based on generalized industry rules of thumb[cite: 1, 4]. They do not constitute formal business valuations, certified appraisals, or financing commitments[cite: 1]. - Document Generator Templates (BOR & COI)
Templates generated on AgencyLedge (including Broker of Record letters and ACORD certificate formatting tools) are sample templates provided for workflow efficiency[cite: 1, 10]. Users are solely responsible for ensuring that all generated letters and certificates comply with state Department of Insurance regulations, carrier appointment mandates, and standard Errors & Omissions (E&O) guidelines[cite: 1, 5].