What is express authority?

Express authority refers to the specific powers that are directly granted to an agent through a formal agreement or contract. This type of authority is clearly defined and explicitly stated, leaving no room for ambiguity about what the agent is permitted to do on behalf of the principal. When a principal communicates these powers to the agent—often through written or verbal means—this establishes an understanding of the scope of the agent's role and responsibilities in transactions.

In the context of an insurance adjuster, express authority might include the ability to negotiate and settle claims on behalf of an insurance company or to make specific decisions that impact the outcome of the claims process. This explicit grant of authority helps to ensure that both the agent and any third parties understand the extent of the agent's decision-making power.

The other options involve different concepts of authority, such as implied authority, which arises from the actions or context surrounding the agent's role, and does not have the same level of clarity as express authority.