Warp Insurance Services: Broker of Record Switch
Last updated: March 26, 2026
Your Benefits, Fully Managed Inside Warp
What is Warp Insurance Services?
Warp Insurance Services is a fully 50-state licensed healthcare brokerage built directly into Warp — the same platform you already use for payroll. Managing payroll and benefits shouldn't mean juggling two platforms, two vendors, and two sets of headaches.
When you make Warp your Broker of Record, benefits deductions automatically sync with payroll, your team gets a single point of contact for HR and benefits questions, and your employees get a seamless experience from day one: enrollment, membership info, and healthcare ID cards — all natively inside Warp.
What is a Broker of Record (BOR) Transfer?
A Broker of Record (BOR) letter is a document that authorizes a new insurance broker — in this case, Warp Insurance Services — to manage your company's group benefits. It transfers the broker relationship from your current broker to Warp without changing your carriers, plans, or coverage.
Think of it as a change of address for who manages your benefits relationship. Your employees keep everything they have today; you just get better support and tighter payroll integration.
Who can sign a BOR letter?
Any company officer or authorized representative with decision-making authority over your benefits can sign the BOR letter. This is typically the CEO, COO, Head of People/HR, or whoever manages your company's health insurance. The BOR letter authorizes Warp Insurance Services as your broker of record. Your coverage, carriers, plans, and costs stay exactly the same.
Why Companies Switch to Warp Insurance Services
One platform. Payroll and benefits in the same place — no more juggling separate systems or logging into multiple portals.
Automatic deduction sync. Benefits deductions calculate and sync with every payroll run automatically.
No disruption. Your employees experience zero change to their coverage, plans, or doctors.
Real support. Get dedicated benefits help from the same team that runs your payroll — people who know your account.
No cost. There's no fee to make Warp your broker of record.
How It Works
Step 1: Sign the BOR Letter
You'll receive a BOR letter from Warp pre-filled with your company and carrier information. Simply review and sign — it takes just a few minutes.
Step 2: We Submit It to Your Carrier
Warp submits the signed BOR letter directly to your insurance carrier on your behalf. Your current coverage remains fully active throughout this process.
Step 3: Carrier Processes the Change
The carrier typically processes the BOR change within 1–2 weeks of receiving the signed letter. Once confirmed, Warp is officially your broker of record.
Step 4: Benefits + Payroll Are Connected
Once the BOR change is confirmed, your benefits are integrated with your Warp payroll. Deductions sync automatically — no more manual reconciliation or duplicate data entry across separate systems.
What Changes (and What Doesn't)
Before BOR Transfer | After BOR Transfer | |
Your carriers | Same | ✅ Same |
Your plans | Same | ✅ Same |
Employee coverage | Same | ✅ Same |
Employee networks & doctors | Same | ✅ Same |
Benefits deductions in payroll | Manual | ✅ Automatic sync |
Benefits support | External broker | ✅ Warp team |
Point of contact | Multiple | ✅ One team |
Nothing changes for your employees. They keep the exact same benefits, coverage, carriers, networks, and doctors they have today.
Frequently Asked Questions
Will my employees' coverage change?
No. Switching your broker of record does not affect your current plans, carriers, or employee coverage. Your employees will continue with the exact same benefits they have today.
Is there any cost to switch?
No. There is no cost to switch your broker of record. Warp receives compensation directly from the insurance carriers as part of the standard broker commission structure.
How long does the switch take?
The carrier typically processes a BOR change within 1 - 2 weeks of receiving the signed letter. During this time, your current coverage remains fully active.
Do I need to notify my employees?
You don't need to, but you're welcome to let them know that Warp will now be managing benefits support. The main thing to communicate is that nothing changes for them — same plans, same coverage, same doctors.
What if I'm in the middle of open enrollment?
Reach out to your Warp Account Manager and we'll coordinate timing to make sure the transition doesn't disrupt enrollment. In most cases, BOR transfers can still be processed during open enrollment without issue.
What carriers does Warp Insurance Services support?
Warp supports BOR transfers for most major group health insurance carriers. Your Account Manager can confirm eligibility for your specific carrier when you get started.
What happens after the switch is complete?
Once your BOR change is confirmed, your benefits will be integrated with your Warp payroll. Deductions will sync automatically, and you'll have a single point of contact for both payroll and benefits support — the same team you already work with.
Can I switch back to my previous broker?
Yes. A BOR transfer can be reversed at any time by signing a new BOR letter with another broker. However, we think once you experience benefits fully integrated with payroll and supported by your Warp team, you'll want to stay.
Ready to Get Started?
Contact your Warp Account Manager or reach out to our team at
benefits-enrollments@joinwarp.com and we'll get your BOR letter issued right away. The whole process takes just a few minutes on your end.