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You can change who services your insurance without changing the insurance itself by signing an agent of record letter, an AOR. The letter tells your carriers that a new agency now represents you on your existing policies: same carriers, same coverage, same premiums, new service team. There is no application, no remarketing, and no gap. Carriers typically process an AOR in five to ten business days, during which your current agent is notified and given a chance to respond.
Every commercial policy has an agent of record: the agency the carrier recognizes, pays commission to, and routes service through. The AOR letter reassigns that designation, nothing else. Your policies continue untouched, which is precisely the point: businesses frequently like their carriers but have outgrown their agent's attention, capability, or technology. The AOR separates the two decisions, letting you upgrade the advice and service today and evaluate the market properly at the next renewal, with a team you chose.
You sign a short letter on your letterhead naming the new agency as agent of record for the listed policies. The new agency files it with each carrier. Carriers notify the incumbent, who typically has five to ten business days in which they may contact you, expect a save attempt, and in some cases may rescind only if you withdraw the letter. After the window closes, servicing, certificates, claims advocacy, renewal negotiation, moves to the new agency. Your only task in the process is signing once and, if you choose, taking or declining one phone call.
Use an AOR when the placements are sound but the service is not: slow certificates, no policy review, renewals that arrive as invoices instead of analyses. Use remarketing when the placements themselves are the problem, wrong carriers, wrong structure, uncompetitive pricing, accepting the underwriting friction that comes with it. The two also sequence well: an AOR now puts a capable team in your corner immediately, and that team remarklets from strength at renewal, with your loss runs, your story, and time to run a real process.
No. The AOR does not touch the policy contract, so premiums, terms, and carriers stay exactly as they are. Commission simply redirects to the new agency, which is why the incumbent will call.
Not unilaterally. The carrier honors the policyholder's written designation. The incumbent's recourse is persuading you to withdraw it during the notice window, which is your decision alone.
Sixty seconds of questions, or upload your current policies. ARIA shows what it finds, cited to the page, with no obligation attached.
Nothing binds until a licensed Risk Strategist signs the placement
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