api/app/policies/baclight/broker_policy.rb

class Baclight::BrokerPolicy < ApplicationPolicy

  def employers_list?;   broker_rule?; end

  private

  def broker_rule?
    user.admin? || 
    (user.broker? && record.id == user.keychain[:id]) ||
    (user.carrier? && record.carrier_id == user.keychain[:id])
  end

end