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. Agents are acting as Fiduciary for the insurance company. Every penny they lay hands on for the company must be accounted for. Furthermore, in the spirit of being a fiduciary , if it comes down to risking your assets or those of the company, you will risk your own. Since you are a fiduciary , it behooves you to write clearly, get all the accurate information possible or at least pertinent, and deliver the properly completed application in a timely manner prescribed by the issuing company.