Express authority is described as:

Express authority refers to the specific powers and responsibilities that are explicitly granted to an agent by the insurance company, typically detailed in a written agreement or contract. This formal documentation outlines the exact scope of the agent's authority, including what transactions they can conduct, what decisions they can make, and how they should represent the company.

Having a clear and documented grant of authority is critical in the insurance industry as it protects both the agent and the insurance company by establishing clear expectations and limits. With express authority, clients have confidence in the transactions made by the agent, knowing they are backed by the insurer's written policies.

In contrast, implied authority comes from the actions and behavior of the agent, and apparent authority is based on the perception of third parties about the agent's role. These types do not involve explicit written guidelines, which is why they differ from express authority.