Your account managers have written thousands of submissions, answered every underwriter question about an old water loss or a new location, and built a market guide that says which carrier writes which class. That record sits in Outlook, the AMS and a shared drive, and AI companies now pay to license a copy of it, because it shows how a good commercial team wins and keeps an account in writing.
Buyers name financial services, and published ranges mostly run $100K to $2M or more, as their own figures. Most want 20 to 30 or more staff, a few state no minimum, and you pick which systems they can read.
The insured is the part to handle with care. Submissions carry payroll, revenue and loss runs, so lead with what your team wrote for itself (narrative templates, the market guide, renewal timelines, proposal formats) and raise every completed submission and carrier agreement with the buyer before any export. Take the quiz to see which buyers take a brokerage your size.
Worth
What a agency's data may be worth
Set for a typical agency, 40 staff and 20 years of records. Move the sliders to match yours. Our estimate, not an offer.
Buyers
Which buyers want this data
Buyers whose own published rules fit commercial lines agencies and brokers. We can introduce you to the ones we work with.
micro1
Names financial services and wants workflows staff repeat; a renewal runs the same steps on every account, every year.2,3
- $100K to $2M+, micro1 says8
Watch out for: Says it removes personal details only "when relevant", so ask exactly how.16
Polyshares
Names financial services and buys email, Drive and CRM records, the tools your team builds submissions in.1,17
- $100K to $2M+, Polyshares says7
- None, Polyshares says18
- An offer in 1 to 2 weeks, then paid in 30 to 60 days11
Watch out for: Exclusive by default, and every deal it lists is exclusive with no end date.19,20
Mode
Agrees the systems and date ranges with you before export, so completed submissions can stay out of scope.21,10
Watch out for: The program launched in October 2026 and has no deal record yet.24
Grepped
States no size minimum, reads only the sources you approve, and lets you leave out any folder or record type.25,26
Watch out for: Its own site code calls its estimator "deliberately optimistic", so treat any estimate as an indication.27,28
Who wants this
Do buyers want commercial lines agencies and brokers?
No buyer publishes prices by industry, but their own intake forms show which industries they rate higher.
- Troveo puts insurance or claims in its top of four demand tiers: "Buyers pay a premium for data from your industry."29
- Polyshares marks insurance as a premium industry.30
- VMS, a broker, gives insurance extra weight when it estimates value.31
Which buyers take a agency your size
Shown for 40 staff, a typical agency. Ask whether contractors and part-time staff count.
micro1
Polyshares
No headcount rule; the length and texture of the record matter more33
Mode
20+ full-time US office staff (accounting firms 10+, law firms 6+)10
Pewter
20+ staff and 3+ years34
Grepped
No headcount minimum stated25
Ventra
30+ US employees and 3+ years of records35
Mercor
None stated36
Troveo
No minimum stated; its estimator starts at 2037
Nyne
20+ US W-2 employees and 3+ years38
Endless
Roughly 30+ employees39
Supersoniq
50+ employees and 5+ years40
What buyers value
What in a agency's records buyers value
What buyers look for in your records, and what to talk through with your buyer before anything leaves your systems.
| Data | Where it lives | Why a buyer values it | Raise with the buyer |
|---|---|---|---|
| Submission narrative templates | Word, AMS attachments | How you present a risk to an underwriter: operations, controls and the story behind a loss. | Completed narratives that name an insured and its losses. |
| Market guide by class of business | Agency wiki or spreadsheet | Which carriers write which classes, their appetite, and why a market said no. | Carrier commission and agreement terms inside the guide. |
| Underwriter question-and-answer threads | Outlook, AMS activities | What an underwriter asked, how your team answered, and what changed in the quote. | Insured payroll, revenue and loss runs in each thread. |
| Renewal timeline and stewardship steps | AMS workflows | The 120-days-out to bind sequence your account team runs on every account. | Nothing specific |
| Marketing summaries and proposals | Proposal software, slide decks | How you lay out options for a business owner and recommend one. | Delivered proposals with an insured's premiums and limits. |
| Certificate review SOP | AMS, certificate tool | How staff check a contract's insurance requirements against coverage before issuing a certificate. | Nothing specific |
A week of records
A week of data at a agency
- Monday: three renewals hit the 120-day mark and the stewardship workflow opens a task list on each.
- Tuesday: a contractor submission goes to five markets from the narrative template; two decline by noon.
- Wednesday: an underwriter asks about a prior water loss; the account manager answers with the remediation steps.
- Thursday: the market guide is updated after a carrier leaves the trucking class.
- Friday: a marketing summary recommends a carrier change and goes to the client for sign-off.
Process
How it works with each buyer
In each buyer's own words. Where a buyer publishes nothing, we say so.
micro1
- Internal docs, SOPs and playbooks, knowledge bases, project management workflows, internal comms, templates, CRM and workflow metadata, task histories41
- 30 to 200 employees32
- $100K-$2M+ per data package; over $1M for unique data8
- PII removed "when relevant"16
- The company keeps ownership of its data and reviews samples before release42
- Not published
Selling or closing
Selling or closing your agency? License its data first
Commercial books change hands when a principal retires or the agency joins a larger broker, and the acquirer usually gets your templates and market guide thrown in. If a sale is coming, ask whether that written method can be licensed on its own first, with every insured's file left to the buyer's review. Pewter takes firms that are running, winding down or closed, and puts the owner's part at about an hour.4,5
FAQ
Commercial lines brokers: questions, answered
Every business is different, so this one is best talked through with the buyer you're working with. Their team goes over it with you before anything is signed.
Every business is different, so this one is best talked through with the buyer you're working with. Their team goes over it with you before anything is signed.
Every business is different, so this one is best talked through with the buyer you're working with. Their team goes over it with you before anything is signed.
Before you sign
Questions to talk through with your buyer
Every business is different, so these are best talked through with the buyer you're working with. Their team goes over them with you before anything is signed.
Questions for this kind of business
- How are insured business financials and loss runs treated in your review?
- Do our carrier agreements or wholesaler agreements limit exports of underwriting correspondence?
- How are named individuals in commercial files (owners, drivers, employees) removed?
- How do CCPA, GDPR, UK GDPR and state privacy laws apply, and is de-identified data still personal information?
- Do customer, vendor or platform contracts, NDAs or API terms restrict this?
- Do professional rules apply (AICPA, IRC 7216, HIPAA, ABA Model Rule 1.17, insurance agency contracts, adviser rules, state boards)?
Questions for any buyer
- Is the license exclusive, and for how long?
- Can you sublicense the data, and to whom?
- Which AI labs will receive it, and will you tell us?
- How long do you keep it, and how is it deleted?
- What is your liability cap, and who indemnifies whom?
- Will the contract ban re-identification of people in the data?
- Who removes personal data, by what method, and do we approve it first?