Agent of record (AOR)

What is an agent of record?

An agent of record (AOR) is an individual or organization that is authorized to represent an employer in matters related to insurance or employee benefits.

The agent acts as the official intermediary between the employer and the insurance carrier, with the legal authority to manage, negotiate, or modify insurance policies on the employer’s behalf.

When an agent is appointed, the employer signs an AOR letter, which grants the agent exclusive rights to manage the account. This designation is common in group health insurance, workers’ compensation, and other employee benefits arrangements. The AOR may assist with policy selection, claims resolution, renewals, cost optimization, and compliance with local regulations.

Why does this matter for employers?

Appointing an agent of record can streamline insurance management and ensure expert support when navigating complex benefits decisions. Employers typically work with an AOR to:

• Receive unbiased advice on the most suitable plans
• Compare quotes across providers
• Coordinate renewals and ensure timely compliance
• Act as a single point of contact for service and claims issues

Importantly, changing your AOR does not affect the insurance policy itself: just the person or firm authorized to manage it. Employers should choose their AOR carefully, as this agent gains access to sensitive business and employee information and may influence key benefits decisions.