A producer of insurance whose activities are purely of local extent. Local Authorities Clause under Standard Fire and Special Perils Policy : Reinstatement value policy may be extended to cover additional cost of reinstatement solely by reason of the necessity to comply with the regulations of the local authority. No additional premium.
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An agent who works on behalf of the insurance companies in a small territory in a sales and service capacity. The agent is an independent contractor who earns commission on sales.