Generally, because an agent is a representative of the company, the insurance company is responsible for whatever the agent says or does.
A broker – if paid by you – may be considered your representative, not the company’s. In such a situation, what the broker says or does may not be the responsibility of the company.
If the broker is paid by the insurance company, he or she may be considered its representative. In such a case, the carrier may be liable for statements by the broker.