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A Broker of Record (BOR) is the licensed insurance broker authorized to represent an employer with insurance carriers and service the company’s benefits program.
A benefits broker helps employers:
Employers can change brokers by submitting a Broker of Record letter to the insurance carrier authorizing the new broker.
No. Changing brokers does not change your plan, premiums, or coverage.
Most carriers process BOR changes within 5–10 business days.
Common reasons include:
Desire for more proactive consulting
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