NAICS 524210
Insurance Agencies & Brokerages in Carmel-by-the-Sea, CA
The 1 ZIP codes assigned to Carmel-by-the-Sea contained 3 Insurance Agency establishments in 2023.
- Establishments (2023)
- 3
- 1 ZIP codes
- 10 or more employees
- n/a
- Practical financing floor
- Share of county
- 3%
- Monterey County
- City population
- 3,105
- 2025 estimate
Figures cover the ZIP codes the U.S. Postal Service assigns to Carmel-by-the-Sea (93921). ZIP areas are not municipal boundaries: they can extend beyond city limits and are shared between neighbouring places. This is a count of establishments in Carmel-by-the-Sea's ZIP codes, not a count of businesses inside its city limits.
Business size mix
Carmel-by-the-Sea is more consolidated than California as a whole: fewer micro-operators and a larger share of businesses with real headcount. Fewer targets, but the ones that exist are more likely to be financeable.
| Share of establishments | Carmel-by-the-Sea | California | Difference |
|---|---|---|---|
| Under 5 employeesOwner-operated, often no management layer | 0.0% | 73.5% | -73.5% |
| 5 to 49 employeesThe range most individual buyers target | 0.0% | 14.7% | -14.7% |
| 10 or more employeesPractical floor for acquisition financing | 0.0% | 3.7% | -3.7% |
Nearest comparable markets
The closest places to Carmel-by-the-Sea that also have Insurance Agency establishments on record. Useful for spotting a gap next door, or realising the market you are looking at is already served from the town over.
| Market | Establishments | Vs state share |
|---|---|---|
| Monterey | 17 | -30% |
| Pacific Grove | 5 | n/a |
| Seaside | 7 | -21% |
| Marina | 3 | n/a |
| Salinas | 43 | -6% |
The wider Monterey County market
Employment and payroll are reported at county level only, so the figures below describe the county Carmel-by-the-Sea sits in.
- County establishments (2023)
- 102
- Monterey County
- County employees
- 431
- Mid-March employment
- County annual payroll
- $28M
- All establishments
What acquirers look at
Renewal commission streams behave like an annuity, which is why these command the highest multiples in small business. Carrier appointment transfer is the gating diligence item.
Other industries in Carmel-by-the-Sea
Nearby cities
Sources
- U.S. Census Bureau, 2023 ZIP Code Business Patterns. Establishment counts and size distribution by ZIP code and NAICS, aggregated over the ZIP codes assigned to each city. Retrieved 2026-09-08.
- U.S. Census Bureau, 2023 County Business Patterns. Establishment counts, employment and annual payroll by NAICS. Retrieved 2026-09-08.
- U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (2026Q1). Quarterly establishment counts and employment for employers covered by unemployment insurance. Retrieved 2026-09-08.