By Timothy J. Cunningham and Daniel P. Menzer, principals, OPTIS Partners LLC

The economic turmoil of the last few years, compounded with the lingering soft market, has affected the value of virtually every insurance agency. While some have created incremental value despite market conditions, most have experienced a decline in value. But without a formal assessment of the risks, projections, and current balance sheet of the firm, you can’t ever know how your agency and your investment are weathering the storm.

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