Express authority can be best described as?

Express authority refers to the powers that are explicitly granted to an agent by a principal, either in written form or verbally. When expressing authority, the principal directly communicates the extent of the agent's powers, providing clarity on what the agent can and cannot do. This can include specific actions, responsibilities, or decision-making powers related to the principal's business, which in this context pertains to the practices in the title insurance industry.

Written or oral forms of express authority mean that there is a clear and definite communication from the principal, ensuring that the agent's actions are aligned with the principal's intentions. This clarity is critical in real estate and insurance transactions, where understanding the agency relationship helps prevent misunderstandings and legal complications.

In contrast, reasonable assumptions made by third parties or powers considered necessary to conduct the business of insurance fall under different categories of agency authority, such as implied or apparent authority, and do not fully capture the definition of express authority.