An agent whose appointment has ended keeps the insurer's sign in his window and writes a policy for a customer who knows nothing of it. Coverage may still exist under:
Explanation
Apparent authority arises from the principal's own conduct: leaving signage, forms and supplies in place lets a reasonable customer believe the agent still speaks for the insurer. Express authority is what the agency contract states in writing, and implied authority covers the incidental acts needed to exercise it, such as maintaining an office. Neither describes authority the insurer allowed to appear after ending the appointment.
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