Everything you need to know when exploring the advisory transfer of your insurance portfolio.
If you’re exploring a relationship with Pine View Insurance Group, you may have heard us mention something called a Broker of Record letter, or BOR. This simple document allows us to begin helping you right away—without having to cancel or rewrite your current insurance policies.
In this post, we’ll walk through what a BOR is, how it works, and why high-net-worth individuals often use it to upgrade their service without disrupting their coverage.
A Broker of Record is a legal document that authorizes a new insurance advisor (in this case, Pine View) to represent you on your current insurance policies.
Once submitted to your carrier, it gives us access to your in-force policies, home inspections, and underwriting history, and it allows us to step in as your service team going forward.
Critically, a BOR does not change your coverage or your insurance company. Your current policy remains in place, uninterrupted. The only change is who is managing the relationship on your behalf.
For many high-earning individuals and families, insurance becomes more complex over time—multiple properties, valuable personal collections, unique exposures, and evolving financial priorities.
The BOR process lets you upgrade to a more experienced advisor (like our team at Pine View) without starting from scratch:
It’s a seamless way to get better service and strategy, while keeping your current insurance intact.
We make the process simple. After a brief intake, we’ll pre-fill the BOR form and send it to you via DocuSign. All you have to do is sign—it takes less than a minute.
Once submitted, we handle everything from there: sending the form to your carrier, monitoring the transfer, and confirming when the process is complete.
Your billing stays exactly the same, and there’s no action needed on your part after signing. No calls, no cancellations, no confusion.
Will this jeopardize my current coverage? Could my carrier cancel or raise my rates?
No. Your coverage, pricing, and carrier all remain unchanged. The only change is who is advising you.
Will there be a lapse in coverage?
No, coverage continues uninterrupted.
How long does it take for Pine View to become my broker on record?
Typically, 7–10 days from the time we submit the signed BOR to your insurance company.
Do I need to call my current broker?
Not unless you want to. Your current broker will be notified by the carrier. You may receive a call from them, but you are not required to respond.
Will my mortgage company or leaseholder need to be notified?
Only if we replace your policy entirely (rather than retain it through a BOR). If that happens, we’ll gladly handle any lender paperwork—just provide us with their contact information.
What if my mortgage company already paid this year’s premium?
If we do rewrite the policy, and your effective dates change, the carrier will apply your previous payment and invoice your mortgage company for any difference. You won’t need to manage that process—we’ll coordinate it for you.
In short, a Broker of Record letter gives us the ability to start improving your insurance experience today—offering faster service, better strategy, and deeper advocacy—without forcing you to make an immediate switch or go through another round of paperwork.
If you’re ready to elevate your insurance experience, or just want a second opinion, we’re here to help.
Email us at advisors@pvig.com. The Pine View Advisor Team is happy to walk through it with you step by step.