Because every business owner should know what they’re worth!

Contact A Top Rated Insurance Agency Consultant

Appraisal and Valuation Services For Insurance Agencies

There are many reasons for getting your business appraised or valued.

With nearly 40 years’ hands-on experience in insurance, HE Candage provides industry-specific advice and agency-specific insight.

We offer

  • Estate appraisals
  • Family Business Transfers
  • Divorce Appraisals
  • Agency Perpetuation Valuations
  • Loan Acquisition Valuations

When you’re selling your business you need to know what you’re selling. HE Candage knows where to look and what questions to ask. Among the important items that are often overlooked but should always be considered are:

  • Balance sheet issues
  • Outstanding Liabilities
  • Outstanding E&O Claims
  • Partnership Agreements

If you’re growing your business and need appraisals and forward projections; seeking a loan and need a valuation for the bank; or you simply want to know what incomes and costs are affecting your agency, HE Candage will give you reliable, independent, expert advice that you can trust.

“When we needed some guidance on agency costs you provided resource material that I, quite frankly, was not aware existed. Howard, I look forward to working with you for years to come.”


“We have never had our business appraised before and weren't exactly sure what to expect...The end result was a highly professional, well documented appraisal that we will be using as a basis for valuation… (We) intend to use you for periodic updates in order to have a clear trail that will stand up to IRS scrutiny. This is going to help us make perpetuation plans for the future of our company.”