我国新保险法128条增加了对表见代理的规定。即“保险代理人为保险人代为办理保险业务,有超越代理权限行为,投保人有理由相信其有代理权,并已订立保险合同的,保险人应当承担保险责任;但是保险人可以依法追究越权的保险代理人的责任。”这一规定,加重了保险公司对代理人越权代理行为的法律责任,促使保险公司进一步加强对代理 China’s new insurance law 128 added the provisions of the table see the agency. That is to say, “Where an insurance agent handles insurance business on behalf of an insurer and has surpassed the authority of the agent, the insured person has reason to believe that he has the right of proxy and has concluded the insurance contract, and the insurer should assume the insurance liability; however, the insurer may pursue the ultra vires Insurance agent’s responsibility. ”This requirement aggravated the legal liability of insurers over the agent’s agent behavior, prompting the insurance company to further strengthen the agency