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hey everybody im rob freeman and today were answering the question what does a broker of record letter do well quite simply a broker of record letter lets an insurance carrier know that you have decided to work with a specific insurance broker to represent you in your insurance negotiations and help manage your insurance situation for your business and in commercial insurance broker of record letters are very common because businesses sometimes outgrow the insurance broker or the agent that they work with that they started to work with at the very beginning maybe their business has grown its gotten larger their exposures and risks have changed uh and maybe the insurance broker or the agent that they started working with the beginning doesnt necessarily understand all the nuances of their business or isnt doing a good job managing the account or didnt provide enough information related to a renewal that didnt go well or claim that happened so lots of things can happen and ultima