A person or organization who/that is authorized to act on behalf of another.
An insurance agent is a person or organization who/that solicits, negotiates,
or instigates insurance contracts on behalf of an insurer and can be independent
or an employee of the insurer. Insurance agents are the legal representatives
of insurers, rather than policyholders, with the right to perform certain acts
on behalf of the insurers they represent, such as to bind coverage. See also
independent agency system.