How brokerofrecord.io works

Agencies reserve their clients

A licensed agency reserves a client by line and carrier. A reservation holds for a year while the agency adds proof: its own statement, the carrier's confirmation, and the insured's.

Anyone can check a pair

Enter an insured and an agency. We answer yes or no for that exact pair. We never list an agency's clients, and a "no" never says why or who holds the record.

Changes take five business days

When a new agency files a broker-of-record letter signed by the insured, the current agency is told that day. The change takes effect after 5 business days, and the insured can withdraw the letter in that time.

Who sees what

The agency sees its own records. The insured sees every record about them and can dispute it. A carrier sees records for its own policies. Other agencies see nothing. Every record is secured on InsureBio, the insurance data chain.