In this Coffee Break episode of Business Refocused, Carey and Lindsay break down one of the most important financial metrics for independent insurance agencies: EBITDA.

They explain what EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) actually means, how to calculate it, and why it's a critical measure of your agency's true operating profitability. Whether you're focused on growth, acquisitions, or maximizing your agency's value, understanding EBITDA helps you make better financial decisions. 

Key takeaways include:

•  What EBITDA is and why it matters 
•  How to calculate EBITDA from your profit and loss statement 
•  Why owner compensation and discretionary expenses should be adjusted 
•  The role of one-time expenses in measuring profitability 
•  How EBITDA impacts agency valuation and acquisition planning

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Show previously named Insurance Refocused