Agent of Record · the mid-term move

Move your insurance. Without waiting for renewal.

An Agent of Record letter is a single page that names RiskMind as your insurance brokerage. The carriers stay the same. The policies stay the same. The coverage stays the same. The only thing that changes is who is advocating for the coverage. And starting the renewal work 120 days out instead of 30.

RiskMind Insurance LLCAgent of Record Appointment

Form 001 · rev 2026

Date · Re

May 25, 2026Re: Appointment of agent of record

The undersigned hereby appoints RiskMind Insurance LLC as our sole and exclusive Risk Strategist and Agent of Record, effective immediately, for all commercial property & casualty coverage with the carriers listed below.

All policies currently in force shall remain undisturbed. This appointment supersedes any prior agent of record with respect to the named carriers. RiskMind is authorized to negotiate renewals, request endorsements, and receive commissions effective from the date below.

Carriers covered

Travelers Insurance · General Liability · Workers' Comp

Chubb Insurance · D&O · Cyber Liability

The Hartford · Commercial Property

Sample · pre-filled before you receive it

CarriersNo change

CoverageNo change

PremiumNo change mid-term

Expiration datesNo change

Agent of recordRiskMind

Renewal cycleStarts at day 120

ARIA · what the letter actually does

One signature. Three immediate effects.

The AOR letter is the standard mid-term move in commercial insurance. Carriers process them daily. The effects listed below happen automatically once the letter clears.

Effect01 / 03

Notifies your carriers that RiskMind is the brokerage of record.

Carriers update their records, redirect future communications to RiskMind, and pay future commissions to RiskMind. Your account stays exactly where it is.

Effect02 / 03

Hands ARIA the full picture of every policy on the coverage.

ARIA reads every declaration page, every endorsement, every loss run. Every gap is surfaced. Every renewal date enters the 120-day calendar.

Effect03 / 03

Puts Ryan Gaston on every bind, advocacy call, and renewal.

A named licensed Risk Strategist accountable for the coverage. Personally signs every placement. No queue. No 1-800 line.

ARIA · the three steps

Three steps. One page, one signature, one move.

The whole process takes about a week end to end. Most of it on the carrier side, after the signature. No upload, no questionnaire, no re-shopping required to start.

Step 01Day 0 · about 10 minutes

You sign the AOR letter.

RiskMind sends the one-page letter pre-filled with your company and current policies. You review, sign, return. No carrier interaction required from you.

Step 02Day 1–5 · handled by us

Carriers acknowledge the change.

RiskMind routes the letter to each carrier of record. Each updates their books and confirms back. You stay informed; you don't have to act.

Step 03Day 5+ · ongoing

ARIA reads the coverage. Ryan takes over.

ARIA ingests every policy and runs the gap analysis. Ryan reviews. The renewal calendar populates with 120-day-out start dates. The next renewal is the first one done your way.

ARIA · everything we handle after the signature

What RiskMind takes off your plate the moment the letter clears.

The mid-term coordination work is the part that makes most operators wait until renewal to switch. We handle every piece of it.

Within 24 hoursNotify carriers of the AOR.Each carrier of record gets the letter and acknowledges back. We handle the routing and the follow-ups.
Within 5 business daysIngest every policy into ARIA.Declaration pages, endorsements, loss runs. Read end to end, page-cited, gap-flagged.
Within the first weekRe-issue every certificate as needed.Existing COIs updated with RiskMind as the issuing brokerage. New ones generated in 60 seconds via the portal.
First quarterQuarterly check-in scheduled.A working session to confirm exposures haven't shifted. New locations, new contracts, new areas of coverage.
120 days before renewalRenewal cycle starts automatically.ARIA re-runs the gap analysis. The Smart Choice carrier network is marketed by appetite. Ryan signs the bind at the end.
AlwaysA named claims advocate if claims happen.One person. Not a queue. Accountable for advocating with the carrier from first notice through close.

ARIA · ready when you are

Initiate the move. In under ten minutes.

Two paths. Take whichever fits your situation. Either way the next page Ryan personally reviews is the same: your actual coverage, marked up by ARIA, ready for the first 120-day renewal of its life.

If you have your current policies handy

Hand ARIA your policies, then sign the AOR.

Drop your declarations and loss runs. ARIA reads everything overnight. Ryan emails the pre-filled AOR the next morning. Total time on your side: ten minutes plus a signature.

If you'd rather talk first

A 15-minute call with Ryan.

Walk through your current coverage, your concerns, and the timeline. If RiskMind is the right fit, Ryan sends the pre-filled AOR by end of the call.

The AOR letter is a standard, non-binding industry document. Signing it does not change your coverage, cancel a policy, or affect a claim in progress. It names RiskMind as your brokerage going forward. You can withdraw the appointment at any time.

ARIA · still deciding?

Not ready for the AOR? Run the Snapshot first.

See what ARIA finds in your industry archetype before you commit to anything. The move is always available. The first read is free either way.

60s

No emailNo sales call until you ask

Self-serve · the Snapshot

Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.

Coverage adequacy score per coverage
Peer premium range for your scale
Three structural gaps ARIA finds most

Run the 60-second Snapshot

Business hoursNo sales call until you ask

Talk first · with Ryan Gaston

A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.

Reaches you inside four business hours
Ryan signs every placement personally
NPN 20142931 · 50 states + DC

Talk to Ryan Gaston

Nothing binds until a licensed Risk Strategist signs the placement

ARIA · live across every page

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