
It's all in the name
The AOR Approach
Have you ever wondered the difference between a traditional insurance broker and an AOR Agent?
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.
For Every $1
Clients Pay in Direct Cost
They'll pay $1-4
In Additional Indirect Costs
Who Is AOR Insurance
What We Do
AOR Insurance is a full service Brokerage house for Business Insurance, Payroll, PEO, Health Insurance, and Specialty Programs.
Commercial Insurance
We are driven to provide tangible and implementable solutions for our clients needs.
Errors & Omissions
We all strive to do our best, but when the unexpected or unforeseeable happens, it’s good to know you’re covered.
Lumber & Hardware
AOR Insurance utilizes multiple A+ rated carriers that offer commercial packages for all lines of insurance coverage for the hardware, building materials and wood manufacturing industry
AOR Strong
Cyber Security
Cyber Security is an ever growing issue for companies, is your business secure?
Before you buy Cyber Liability Insurance figure out what your network and security risks are. AOR Insurance can help you with a risk management strategy so you can focus on growing your business with confidence.
3800000 +
Data Breach Costs $3.8 Million
For the Average Company
197
On Average
It Takes Most Business 197 Days to Detect a Breach In Their Network
Personalized Consulting | Large Scale Service
The Partner Advantage
AOR Insurance partnered with Sihle Insurance Group as a way to service large scale clients in a personalized way.
Utilizing the back offices of a larger brokerage firm allows AOR Insurance the ability to broker national accounts and scale down our services for smaller clients.
The Difference Is Service
Who is Sihle Insurance Group?
Sihle Insurance Group provides a single solution for insurance, financial services, and risk management specifically tailored around your individual needs. With a focus on commercial and personal property and casualty coverages, employee benefits including retirement/life insurance solutions, and payroll services, we are able to bring the best solutions through innovative ideas and broad market representation.
“The difference is service” has been the essence of our company since it was founded by Jerry Sihle in 1974. As the founder and sole employee, Jerry brought drive, motivation, strategic planning, and vision to establish Sihle Insurance Group. Since that time we have grown to be one of the largest privately held agencies in Florida, ranking consistently in the “Top 100” countrywide. While following our guiding principles, Sihle Insurance Group has become one of the Southeast’s premier insurance agencies offering the finest insurance products and services in a professional, authentic, and open environment.
Our 40,000 square foot state-of-the-art facility is equipped to best serve our customers and employees who together have made Sihle Insurance Group the company it is today. While poised for our future, this building also serves as a strong reference to our beginning, being constructed on the same site as the small converted house where Sihle Insurance began 40 years ago.
Our vision for the future is to remain a leading, family-held and operated, independent insurance organization for generations to come.

What our clients have to say about us.
Client Satisfaction Is Our Foundation
Insurance companies are built on client trust and satisfaction. AOR is no different. We strive to meet and exceed the needs of our clients.
Raymond Watson
CEO Roundtable Facilitator and Chair, Principal at ELRII have found Michael to be a consummate professional in all that he does. Mike represents corporate insurance clients with AOR Insurance. However, Mike is not another insurance salesman looking to submit a quote. Mike becomes a trusted advisor and truly assesses the needs of the client before making a recommendation.

Beth Meyers
HR Manager at Amazon HoseMichael has the knowledge and experience to provide excellent service and becomes a true business partner in every aspect.

Clark Waters
President, E C Waters Inc.Michael has shown me how to lower my insurance cost and maintain the best coverage I need to protect my business. I have referred Michael to my peers and friends and they agree that Michael brings added value to their business with a professional integrity that is very rare.

Ty Roofner
Partner at Burr & Forman LLPI never hesitate to refer my clients to Mike. He responds very quickly, gives prospective clients the attention, advice and expertice they deserve ... and then earns their business. Those elements make him a valuable asset to anyone that has a need for insurance solutions.

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