An agent is a person or organization that is authorized to act on behalf of another. An insurance agent is a person or organization that solicits, negotiates, or instigates insurance policies on behalf of one or more insurance companies.
An insurance agent 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.