If all goes well the actual policy is then sent to the new policy holder and they have a specified time to evaluate the policy. Now, Property and Casualty Agents have more to say about who gets what. In fact, if they don't watch what their tongue slips over Property and Casualty Agents may end up binding or commiting their companies to something they didn't want no part of. Property and Casualty Agents sometimes inspect risks for the insuance company, and collect premiums due as well. They might even be authorized to issue some types of insurance contracts directly from their own offices.
Brokers are a whole new breed of wildcat.
Naturally they do not have the authority to bind the insurance company to anything. They do have the authority and the obligation to strike a better deal for their clients. Insurance Consultants are new too. Solicitors are salespeople who work for an agent or a broker. But you might better check with the store owner or home owner just to be sure.