In an agency contract, what must the agent adhere to when representing the insurer?

When an agent represents the insurer in an agency contract, it is paramount to adhere to the limitations set forth by that contract. These limitations define the scope of the agent's authority, including what products they can sell, the terms under which they can operate, and any obligations they have to uphold on behalf of the insurer.

By adhering strictly to these limitations, the agent ensures compliance with both legal and operational standards required by the insurer, protecting both themselves and the insurer from potential risks associated with unauthorized actions. This adherence helps maintain the integrity of the relationship between the agent and the insurer, supporting a professional and efficient business operation.

Other aspects such as ethical guidelines and sales quotas may be beneficial in guiding the agent’s conduct and performance, but they do not carry the same binding weight as the contractual limitations. Client demands, while important in service contexts, should not override policy provisions unless specifically allowed within the confines of the agency's agreement with the insurer.