About Agents of Record (AOR)
What is Agent of Record (AOR)?
An Agent of Record (AOR) is the licensed insurance professional or agency authorized to represent you with your insurance carrier.
Your Agent of Record:
- Acts as your advocate with the insurance company
- Explains your coverage in clear, understandable terms
- Assists with policy changes, renewals, and claims support
- Serves as a consistent point of contact
Changing your Agent of Record does not cancel or replace your policy—it simply changes who supports you.
When Might an Agent of Record Change Be Worth Considering?
A review—or a change—may make sense if:
- You’re not receiving timely responses or clear explanations
- Your policy hasn’t been reviewed in several years
- Your personal or business needs have changed
- You value a relationship built on trust and communication
- You want an agent who will be there when it matters most
Re-evaluating your representation is a responsible step toward long-term protection.
What Changing an Agent of Record Is Not:
Because fairness and transparency matter to us:
- ❌ It does not cancel your coverage
- ❌ It does not automatically change your premium
- ❌ It does not require purchasing a new policy
- ❌ It does not involve hidden fees
Guidance You Can Trust. Support When You Need It Most.
At Desmond Insurance, our vision is simple: to be there when you need us most.
Insurance decisions often come during moments of change, uncertainty, or growth. Whether you’re reviewing your coverage, seeking clearer communication, or considering a change in representation, our role is to provide steady, ethical guidance—without pressure.