List two points for difference between agents and brokers

An agent is someone who legally represents the principal and has the authority to act on the principal's behalf $$In legal context, authority may be: $$Expressed $$Implied $$Apparent $$The principal is legally responsible for all acts of an agent when the agent is acting within the scope of authority

A broker is someone who legally represents the insured, and: $$solicits applications and attempts to place coverage with an appropriate insurer $$is paid a commission from the insurers where the business is placed $$does not have the authority to bind the insurer