Industry segment
What a commercial lines agency's submissions are worth to AI buyers
Commercial lines work is persuasive writing: submission narratives, market guides by class of business, underwriter question and answer threads, renewal timelines and proposals.
Most of it already sits in an agency management system, submission templates, carrier portals and email. Buyers want the written trail of how your team actually does the work, so most owners lead with SOPs and training material, then add day-to-day records once personal details are dealt with.
- Key figure
- $100K to $2M+
- Buyers' published range
- $100K to $2M+
- Time to a written offer
- Days to 2 weeks
- Owner time, per buyers
- 1 to 3 hours
01 / What buyers value
Records a buyer will look for at a commercial lines agency
Submission narratives
Where it lives
Templates and email
Why a buyer wants it
How risks are sold to markets
Raise first
Client details
Market guide by class
Where it lives
Docs
Why a buyer wants it
Which carriers fit which risks
Raise first
Usually nothing
Underwriter Q&A threads
Where it lives
Email
Why a buyer wants it
Negotiation with markets
Raise first
Client data
Renewal timelines and stewardship
Where it lives
AMS
Why a buyer wants it
Account management
Raise first
Client names
Proposals and marketing summaries
Where it lives
Docs
Why a buyer wants it
How options are presented
Raise first
Premiums
| Record | Where it lives | Why a buyer wants it | Raise first |
|---|---|---|---|
| Submission narratives | Templates and email | How risks are sold to markets | Client details |
| Market guide by class | Docs | Which carriers fit which risks | Usually nothing |
| Underwriter Q&A threads | Negotiation with markets | Client data | |
| Renewal timelines and stewardship | AMS | Account management | Client names |
| Proposals and marketing summaries | Docs | How options are presented | Premiums |
02 / Value
Putting a number on a commercial lines agency's data
No buyer publishes a price list by industry. What they do publish is a range for a whole company: micro1, Polyshares and Ventra each advertise deals from roughly $100K to $2M or more, and Pewter's licensing partner cites examples between $350K and $650K. Read those as the buyers' own marketing figures, not offers.
For a commercial lines agency of about 40 people, three things move the number most: how many years of history you have, how much of the work is written down in one place, and how cleanly client and employee details can be removed. Try the worth estimator for a range based on your size.
03 / Buyers
Which buyers take commercial lines agencies
On Troveo's intake form, the closest category ("insurance or claims") sits in the top of its four demand tiers, the group it says buyers pay a premium for. Polyshares lists insurance as one of its premium industries.
Published size rule
Asks for at least 30 staff, with no upper limit
A 40-person commercial lines agency
Fits at 40
Published size rule
At least 20 full-time US office employees, or 10 for accounting and 6 for law
A 40-person commercial lines agency
Fits at 40
Published size rule
At least 20 W-2 staff in the US and three years of history
A 40-person commercial lines agency
Fits at 40
Published size rule
At least 20 people and three years, with a higher bar in some sectors
A 40-person commercial lines agency
Fits at 40
Published size rule
At least 30 US staff and three years of data
A 40-person commercial lines agency
Fits at 40
Published size rule
Around 30 people or more
A 40-person commercial lines agency
Fits at 40
Published size rule
No headcount floor; it weighs how deep the record goes
A 40-person commercial lines agency
No size floor
Published size rule
Publishes no minimum
A 40-person commercial lines agency
No size floor
Published size rule
Publishes no minimum (its calculator begins at 20)
A 40-person commercial lines agency
No size floor
| Buyer | Published size rule | A 40-person commercial lines agency |
|---|---|---|
| micro1 | Asks for at least 30 staff, with no upper limit | Fits at 40 |
| Mode | At least 20 full-time US office employees, or 10 for accounting and 6 for law | Fits at 40 |
| Nyne | At least 20 W-2 staff in the US and three years of history | Fits at 40 |
| Pewter | At least 20 people and three years, with a higher bar in some sectors | Fits at 40 |
| Ventra | At least 30 US staff and three years of data | Fits at 40 |
| Endless | Around 30 people or more | Fits at 40 |
| Polyshares | No headcount floor; it weighs how deep the record goes | No size floor |
| Mercor | Publishes no minimum | No size floor |
| Troveo | Publishes no minimum (its calculator begins at 20) | No size floor |
Some buyers pay us a referral fee. It never changes your price, and it never changes the order of our rankings.
04 / Typical week
What one ordinary week produces
- Monday: a renewal timeline kicks off at 120 days.
- Tuesday: a submission narrative written.
- Wednesday: underwriter questions answered.
- Thursday: quotes compared in a marketing summary.
- Friday: a proposal presented to a client.
Illustrative. Multiply one week by every year you have kept, and that is the record a buyer is looking at. The written decisions matter more than the totals.
05 / Segments
More on insurance agencies
06 / Process
How a deal works
- 1
Check the fit
Answer a few questions about headcount, years of records and the systems you use. No files change hands.
- 2
Inventory call
A buyer walks through what you hold and what it wants. Most say the owner spends one to three hours in total.
- 3
Written offer
Buyers usually send terms within days to two weeks: price, scope, term and whether the deal is exclusive.
- 4
Clean and deliver
Personal details are removed under the agreed method, then a copy is exported. Your originals stay where they are.
micro1
What it asks for
Procedures, internal wikis, project and task history, CRM activity
Offer and payment
Up to 30 days to review, then paid within 30 days of invoice
Ask about
Its master terms describe a perpetual license. It says it strips personal details "when relevant", so ask exactly how.
Ventra
What it asks for
Mainly inboxes, recorded calls and helpdesk tickets
Offer and payment
Offer in 3 to 7 days, then net 30 or 60
Ask about
Its terms warn it may be unable to erase data after delivery.
Polyshares
What it asks for
Inboxes, recorded calls, helpdesk tickets and ERP extracts
Offer and payment
Offer in 1 to 2 weeks, paid in 30 to 60 days
Ask about
Licenses are exclusive by default.
Pewter
What it asks for
Operating records for the industries on its list
Offer and payment
No fee to the owner, it says
Ask about
Launched October 2026 by a Florida sales agency. Its licensing partner, not Pewter, signs and pays.
| Buyer | What it asks for | Offer and payment | Ask about |
|---|---|---|---|
| micro1 | Procedures, internal wikis, project and task history, CRM activity | Up to 30 days to review, then paid within 30 days of invoice | Its master terms describe a perpetual license. It says it strips personal details "when relevant", so ask exactly how. |
| Ventra | Mainly inboxes, recorded calls and helpdesk tickets | Offer in 3 to 7 days, then net 30 or 60 | Its terms warn it may be unable to erase data after delivery. |
| Polyshares | Inboxes, recorded calls, helpdesk tickets and ERP extracts | Offer in 1 to 2 weeks, paid in 30 to 60 days | Licenses are exclusive by default. |
| Pewter | Operating records for the industries on its list | No fee to the owner, it says | Launched October 2026 by a Florida sales agency. Its licensing partner, not Pewter, signs and pays. |
07 / Timing
If you are selling or winding down
A data license can sit alongside a sale or a wind-down. If you are selling the business, agree with the acquirer who keeps the right to license the archive. If you are closing down, keep the workspace and inboxes alive until a buyer has seen them. A closed company is not out of options: SimpleClosure reports more than 150 completed sales of shut-down startups' archives.
FAQ
Questions, answered
Are loss runs useful?
They are sensitive client data. The narratives and underwriter exchanges carry more reusable know-how.
Is a 40-person commercial lines agency big enough?
9 of the 9 buyers in our size check take a commercial lines agency that size, going by their own published rules. Below 20 people your options narrow to the buyers with no stated minimum.
Do we lose our records if we license them?
No. A license gives the buyer a copy for agreed uses and your originals stay put. Read the term and deletion clauses closely: micro1's master terms describe a perpetual license, and Ventra warns it may be unable to erase data after delivery.
Find the buyers that fit your company
Answer a few questions about your size, tools and history. We show which buyers want a company like yours. Free, no files.
Keep reading
Sources
Every number on this page links back to one of these.
- 1finance.yahoo.com: Mode inc launches 5 billion 151600765finance.yahoo.com
- 2mode.incmode.inc
- 3Troveo: Business data programtroveo.ai
- 4Polyshares: Sell company datapolyshares.com
- 5micro1: Company referral programmicro1.ai
- 6Beri: micro1 enterprise data partnerships, terms and risksberi.net
- 7Mode: Data program requirementsdata.mode.inc
- 8Nyne: Sell company datanyne.ai
- 9Pewter: Company data licensingpewterdata.com
- 10Pewter: Partner examplespewterdata.com
- 11Ventra: Company datajoinventra.com
Spot something wrong? See our corrections policy. Some buyers pay us a referral fee. How we make money.