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Can Agents Sign on Behalf of Insureds?

Question: "We are wholesale agents. One of our retail agents has invoked the "law of agency" as a rationale for submitting applications with his signature only, in lieu of the policyholder's. Our contention is that the broker is not a party to the insurance contract, hence any representations in an application signed only by the broker are irrelevant and would have no bearing in the event of a disputed claim or audit. What do you think?"

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