The authority of an insurance producer to do certain acts not listed in the agency contract but obvious from the duties that are listed is known as

Apparent authority occurs when a third party reasonably believes that an agent has authority based on the principal's representations, even if the agent does not have that authority. This differs from implied authority, which is derived from the agent's role and duties rather than perceptions created by the principal.

Binding authority refers to the power of an agent to bind the insurer to a contract without prior approval. This is a specific type of authority that is explicitly granted rather than implied, making it distinct from the broader concept of implied authority, which encompasses unwritten responsibilities.

Expressed authority is the power explicitly granted to an agent through a written contract or agreement. Unlike implied authority, which derives from the duties associated with the role, expressed authority is clearly defined and documented, thereby limiting the agent's actions to what is specifically stated.