Operate · the United States
Underwriting: Insurance Agencies and Brokerages
What public records can and cannot establish about running this business in the United States, dimension by dimension, with the gaps named.
—
not scored
REWORK
PROVE
OPEN
NOT SCORED. 65 of 100 rubric points are evidenced deterministically from public records; 10 have no producer. The ±3.1 interval measured elsewhere on this site is ARBITER's sampling variance and does not apply to a SQL query, which returns the same answer every time it runs.
IndustryNAICS 524210
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
47th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -0.01% | 47th of 287 | roughly in balance | ρ 0.57 across 4 backtested windows, 42.6pp decile separation |
SBA 7(a) acquisition loans · FY2010–FY2026
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 5,618 |
| Median loan | $152,824 |
| Mean rate | 7.28% |
| Mean term | 134 months |
| Charged off | 3.4% |
120,434 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 19,679 | 16.3% | 16.3% | 38.2% |
| 100-499 | 61,734 | 51.3% | 67.6% | 33.9% |
| 500-999 | 21,463 | 17.8% | 85.4% | 34.8% |
| 1,000-2,499 | 11,452 | 9.5% | 94.9% | 34.9% |
| 2,500-4,999 | 2,952 | 2.5% | 97.4% | 35.3% |
| 5,000-7,499 | 929 | 0.8% | 98.2% | 35.9% |
| 7,500-9,999 | 432 | 0.4% | 98.5% | 37.0% |
| 10,000-14,999 | 473 | 0.4% | 98.9% | 34.2% |
| 15,000-19,999 | 207 | 0.2% | 99.1% | 36.7% |
| 20,000-24,999 | 136 | 0.1% | 99.2% | 30.8% |
| 25,000-29,999 | 112 | 0.1% | 99.3% | 36.5% |
| 30,000-34,999 | 67 | 0.1% | 99.3% | 28.6% |
| 35,000-39,999 | 49 | 0.0% | 99.4% | 36.8% |
| 40,000-49,999 | 79 | 0.1% | 99.4% | 35.7% |
| 50,000-74,999 | 117 | 0.1% | 99.5% | 33.5% |
| 75,000-99,999 | 62 | 0.1% | 99.6% | 32.8% |
| 100,000+ | 491 | 0.4% | 100.0% | 31.3% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 5,618 |
| Median loan | $152,824 |
| Typical rate | 7.28% |
| Typical term | 134 months |
| Total approved | $1,988,467,000 |
| Charge-off rate, seasoned cohorts | 3.4% |
| Loans that reached an outcome | 2,195 |
| Rank among industries | 12th of 501 |
Take this away
| Format | What it is |
|---|---|
| download the document → | One self-contained file — no stylesheet, no fonts, no scripts. Works offline, prints, and carries a content hash anyone can verify at /verify without an account. |
| JSON → | The same figures as data, with every source and gap attached. |
65 of 100 rubric points evidenced
What this report can and cannot underwrite
| Dimension | Weight | Evidence | Predicts? | Source |
|---|---|---|---|---|
| O1 · Demand density and recurrence | 25 | evidenced | predictive · ρ +0.57 | US Census County Business Patterns |
| O2 · Payment evidence | 15 | partial | not backtested | USASpending.gov — US federal government work, public domain |
| O3 · Licence gate favourability | 15 | evidenced | not backtested | CareerOneStop / ARC, U.S. Department of Labor |
| O4 · Labour availability | 15 | evidenced | not backtested | BLS Occupational Employment and Wage Statistics, May 2024 |
| O5 · Incumbent weakness | 10 | no producer | not backtested | none |
| O6 · Margin structure | 10 | partial | not backtested | US Census Statistics of U.S. Businesses 2022 |
| O7 · Ceiling | 10 | evidenced | DESCRIPTIVE ONLY · ρ +0.05 | US Census Business Dynamics Statistics — public domain |
Every licensed occupation in this industry
| Occupation | Share here | Concentration | Jurisdictions |
|---|---|---|---|
| Insurance Sales Agents | 35.36% | 81.1× | 45 of 56 |
| Claims Adjusters, Examiners, and Investigators | 4.09% | 15.4× | 41 of 56 |
| Insurance Underwriters | 3.17% | 32.0× | 40 of 56 |
| Insurance Claims and Policy Processing Clerks | 6.68% | 34.0× | 37 of 56 |
| General and Operations Managers | 4.19% | 1.7× | 23 of 56 |
| Office Clerks, General | 3.28% | 1.9× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Insurance Sales Agents', though it is licensed in 45 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| licence coverage — the register holds 54 of 56 US licensing jurisdictions, and 2,504 of its records carry no jurisdiction at all. A count of 45 is out of 54 searched, not out of 56. The unsearched jurisdictions are not evidence of no licence. |
| bonding_required_usd — no producer, and not estimated |