What defines a limited lines insurance agent in Texas?

A limited lines insurance agent in Texas is specifically defined as an agent who is licensed to sell specific types of insurance under limited authority. This means that their license permits them to sell only certain products, unlike a general insurance agent who can represent a broader range of insurance types. Limited lines agents often specialize in particular products, such as a specific type of insurance coverage, aiding consumers in those specific areas.

The focus on limited authority reflects the regulatory framework that aims to ensure that agents have expertise and qualifications in the insurance types they sell, which protects consumers and maintains industry standards. This specialization is essential in various limited lines, such as health, travel, or specific types of property insurance. Thus, the idea is to streamline the selling process and ensure that agents provide informed guidance within their area of specialization.