Buying an insurance brokerage in Switzerland
A useful first comparison of an insurance brokerage should connect the asking price with operating evidence, contractual rights and a workable transfer. Book value may fall through cancellations, adviser departures, carrier termination, historic mis-selling complaints or commission clawbacks.
Commercial evidence behind an insurance brokerage
Review recurring portfolio commissions, renewal and cancellation rates, clawbacks, adviser workload and concentration by carrier, client and product.
Evidence to verify before acquiring an insurance brokerage
Verify intermediary registration, professional cover, client mandates, commission statements, consent and privacy records, complaint files and change-of-control terms with carriers.
Transfer customers, systems and know-how in an insurance brokerage
Coordinate client and carrier communication, mandate renewal, access, pending claims and remuneration cut-offs at policy level.
Related acquisition routes for an insurance brokerage
Keep the search broad enough to find adjacent opportunities, then compare the same evidence across each listing. Continue with Fiduciary company or Finance & insurance, or return to all companies for sale.
Questions buyers ask about an insurance brokerage
How persistent are commissions after cancellations and clawbacks?
Review recurring portfolio commissions, renewal and cancellation rates, clawbacks, adviser workload and concentration by carrier, client and product.
Will carrier agreements and intermediary permissions continue for the buyer?
Verify intermediary registration, professional cover, client mandates, commission statements, consent and privacy records, complaint files and change-of-control terms with carriers.
Are there complaint or advice files that could create later claims?
Book value may fall through cancellations, adviser departures, carrier termination, historic mis-selling complaints or commission clawbacks.
How should clients, policies and pending claims be transferred?
Coordinate client and carrier communication, mandate renewal, access, pending claims and remuneration cut-offs at policy level.