Well, the difference starts in the name. AOR stands for Agent of Record. When you work with an AOR Agent you aren’t just competing for a bid in the market. We put together a fully comprehensive risk profile for your company. On top of going over your insurance premiums paid, retained losses, and administrative costs, we look at your operational risks, assess your risk management plan, evaluate your retentions, and coverage appetite. According to our research, for every $1 clients pay in direct costs, they pay an additional $1-$4 in costs related to indirect losses. We strive to give you a full understanding of your risk exposure and what we can do to help. It’s the AOR Advantage.