I always hear about producers who are employees of agencies that talk about "owning their book". My question is..., what happens when a producer leaves an agency and wants to take their clients with them (assuming they own the book) to another agency or to get their own appointment with the carrier? How does this work? Does the producer/agent have to get all of these clients to sign broker of record letters to the new agency? Or are all of these policies (assuming it is with the same carrier) just transferred with a producer code and basically you send letters to your clients explaining the change of agency? I would appreciate some detail from someone that has done this. In this case, I am talking about P&C business. Thanks!