Agent of Record (AOR)

What is an Agent of Record?

An Agent of Record (AOR) is a person or company officially allowed to manage a business’s insurance or employee benefits. Instead of you dealing directly with insurance providers, the AOR handles communication, paperwork, policy changes, and support on your behalf.

What does an Agent of Record do?

An Agent of Record keeps your insurance and benefits setup ticking along without the usual chaos. They deal with providers, manage policies, and make sure important deadlines do not quietly sneak past your team.

Typical AOR responsibilities include:

• Managing insurance policies and employee benefits  

• Handling renewals and policy updates  

• Supporting claims and resolving provider issues  

• Helping businesses stay compliant  

• Acting as the main point of contact with insurers and benefit providers  

In short, they take the admin headache off your plate so your business can crack on with actual work.

Why businesses use an Agent of Record

For many businesses, insurance and benefits admin can turn into a full-time faff. An Agent of Record helps keep things organised, compliant, and far less stressful for internal teams.

Businesses often use an AOR because they:

• Simplify insurance and benefits administration  

• Provide expert support and guidance  

• Help reduce compliance risks and costly mistakes  

• Save time for HR and finance teams  

• Improve communication with insurers and providers  

Put simply, an AOR helps businesses spend less time untangling paperwork and more time actually running the company.

What should you look for in an AOR?

Choosing an Agent of Record is a bit like choosing an accountant. When they are good, life feels easy. When they are not, every email becomes a headache.

Here’s what matters most:

• Industry experience and up-to-date regulatory knowledge  

• Fast, clear communication without endless back-and-forth  

• Transparent pricing and straightforward service terms  

• Strong support with compliance requirements  

• Access to reliable insurance and benefits providers  

• Experience working with remote or global teams  

• A solid track record with businesses like yours  

• Proper support during claims, renewals, and policy updates  

The right AOR saves your team time, cuts confusion, and stops small admin jobs turning into full-blown dramas.

What is an Agent of Record letter?

An Agent of Record letter (also called, Broker of Record letter) is a document that gives an AOR permission to manage insurance or benefits matters for a business. It officially tells the provider that the business wants the new representative to handle communication, policies, renewals, and related admin going forward.

Do you need it?

Usually, yes. Most insurance providers require an Agent of Record letter before they allow a new AOR to step in. Without it, your provider may continue dealing with the previous representative, which can slow things down and create unnecessary admin.

You may want to check out this sample AOR letter from London Aviation Underwriters for a better understanding.

Agent of Record vs Employer of Record (EOR)

An Agent of Record and an Employer of Record (EOR) do very different jobs, even though the names sound suspiciously similar.

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An Agent of Record (AOR) mainly works with insurance providers and employee benefits. They help businesses manage policies, renewals, claims, and compliance requirements.

An Employer of Record (EOR) takes care of the bigger employment picture. That includes payroll, HR, taxes, contracts, onboarding, and legal compliance for remote workers.

If your business is growing internationally, an EOR can save your team from a mountain of admin and legal headaches. Black Piano helps businesses hire and manage remote teams without needing to set up overseas entities, while handling payroll, HR, and compliance behind the scenes. Learn more about our EOR services.

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