How does Rippling Insurance Services, Inc. work? Most of the time, customers bring their own third-party broker when they join Rippling, or we refer them to one. But for small businesses that prefer a fully digital solution, Rippling Insurance Services, Inc. can act as their broker of record (BOR). As broker of record, Rippling Insurance Services, Inc. earns commis- sions from the sale of insurance products and receives ongoing commissions. Each insurance company will set commission rates based on the standards and requirements of the industry in your area. Our business structure—a fully licensed insurance agency subsidiary of a parent company that has non-insurance operations—is considered a best practice in our industry. Among other things, it makes it easier to ensure the integrity of licensed activities, and to make sure that individuals transacting insurance are supervised by licensed personnel. Where is Rippling Insurance Services, Inc. licensed? Rippling Insurance Services, Inc. is fully licensed in all 50 states and the District of Columbia, and brokers insurance products in 34 of those states. We have experienced insurance agents in every state in which we offer insurance products. Their licensing information is available on our website and is updated daily. Our agents also have the required “appointments” from insurance carriers, authorizing them to sell insur- ance for those carriers and “affiliations” with state insurance regulatory agencies. All of the carrier appointments and state affiliations for Rippling Insurance Services, Inc. and our representatives are a matter of public record. rippling.com | Insurance Services, Inc. 2