Here are scenarios that may call for you to terminate or change your AOR. You’re unhappy with the current agency’s services or communication Another agency has more expertise in your industry Your agency of record failed to foresee an important issue The current agent mishandled a task The current agent doesn’t have access to a particular market In most cases, policyholders choose to change insurance agents because they’re dissatisfied with their services or there’s a communication disconnect. Another scenario that may call for you to terminate an AOR agreement is when you perceive a significant expertise gap between two insurance agencies. For example, let’s say you’re in the tech business and your agent provides basic insurance services. You later become aware of another company that has developed a specialized and tailored process for tech companies. This company offers cyber risk management and dedicated claims and litigation services that your business needs. In this case, it would make sense to make an agent of record change. Your business will better be protected, serviced, and monitored by the new one.