The Lawrence Insurance Agency has developed special insurance programs for woodworkers, on behalf of one small insurance company. Lawrence Insurance Agency has authority to bind coverage, determine premium based on the underwriting guidelines with this one insurance agency, and write up to a certain limit for coverage without any check-in with the insurer; policy limits above this limit require specific underwriter approval. Lawrence may write directly for customers, or more often it receives applications from other retail agents in need of this custom coverage for woodworkers. Discuss what type of agent Lawrence is.