What is the type of authority that is explicitly granted to an agent by the insurer?

Express authority refers to the specific powers granted to an agent by the principal or insurer, typically outlined in a contract or agreement. This type of authority clearly delineates what actions the agent is allowed to take on behalf of the insurer. It can include the authority to bind the insurer to certain agreements or perform specific duties, as defined in the terms of their arrangement.

Express authority is crucial in the context of title insurance, as it ensures that agents operate within the boundaries set by the insurer, providing clarity and legal backing for the actions they undertake. This explicit delegation of power helps avoid misunderstandings and ensures that all parties are aware of the extent of the agent's responsibilities and capabilities.

Implied authority, on the other hand, encompasses the powers not specifically outlined but necessary for carrying out the duties associated with the express authority. Apparent authority pertains to the perception that third parties have about an agent's powers, derived from the behavior or communications of the principal. Unlimited authority is not a standard classification in this context and does not define a recognized type of authority within agency law.