Bethel, Judge.

Charles Popham ("Popham") appeals from an order granting summary judgment in favor of defendants Landmark American Insurance Company ("Landmark") and Tapco Underwriters, Inc. ("Tapco") (collectively, the "defendants").1

Summary judgment is proper when there is no genuine issue of material fact and the movant is entitled to judgment as a matter of law. OCGA § 9-11-56(c). We review a grant of summary judgment de novo and construe the evidence in the light most favorable to the nonmovant. Home Builders Ass'n of Savannah, Inc. v. Chatham Cty., 276 Ga. 243, 245 (1), 577 S.E.2d 564 (2003).

So construed, the record shows that Popham contacted independent insurance agent Steven Greenberg ("Greenberg") to obtain a new commercial liability insurance policy for his tree removal business. After contacting several underwriters, Greenberg obtained an insurance quote for Popham from Tapco, an underwriter that had the authority to issue insurance policies on behalf of Landmark. Popham met with Greenberg on November 17, 2010 at which time Popham signed an application for insurance and paid a down payment on the premium to Greenberg. Popham received a certificate of insurance from Greenberg showing a policy effective date of November 17, 2010.

Tapco issued a binder to Popham stating that it would provide temporary insurance coverage until November 29, 2010, provided that Tapco "receive[d] a properly completed application and a premium payment within 12 days." Per the terms of the binder, Popham's failure to remit a completed application and the premium payment to Tapco by that date would nullify and void coverage. The language of the binder also provided that the binder

In deposition, both Greenberg and Popham stated that they each understood that the premium payment had to be paid by November 29, 2010.

On November 29, Popham met with Greenberg to make another premium payment, and Greenberg mailed a premium check and Popham's insurance application to Tapco either that day or the following day. However, it is undisputed that Tapco did not receive the premium payment and the application by November 29, 2010.

On December 7, 2010, Tapco notified Greenberg that it had not received the application and premium check for Popham's policy and that the binder was null and void. Two days later, on December 9, 2010, Tapco received Greenberg's mailing containing the application and the premium check and deposited the check that day. The following day, Tapco informed Greenberg that additional application materials were required to issue the insurance policy and that the policy's effective date would be December 9, 2010. Greenberg faxed the additional materials to Tapco, and Tapco, acting on behalf of Landmark, wrote an insurance policy for Popham with an effective date of December 9, 2010.

Meanwhile, on December 1, 2010, Popham was cutting trees with two other men present. One of the other men was seriously injured after a tree fell on him. The injured man brought suit against Popham in late 2011 and won a default judgment against him in early 2012 after Popham failed to respond to the suit. Popham later filed an insurance claim with Landmark, which it denied, stating that no policy was in effect on the date of the accident.

On November 17, 2014, Popham filed suit against the defendants, alleging negligence,2 breach of contract, and failure to pay an insurance claim in bad faith. Popham also sought punitive damages and attorney fees from the defendants. The trial court granted motions for summary judgment in favor of the defendants with respect to all claims, and this appeal followed.

In his brief before this Court, Popham enumerates several alleged errors in the trial court's ruling. First, he argues that the trial court erred in ruling that there was no agency relationship formed between Greenberg and Tapco or Greenberg and Landmark. Second, Popham claims the trial court erred in finding that no insurance contract existed between Popham and either Tapco or Landmark at the time of the December 1, 2010, accident. Third, Popham claims that the trial court erred in allowing Landmark to amend its answer to assert a statute-of-limitations defense to his personal injury claims after the trial court's scheduling order deadline. Derivative of those rulings, Popham claims the trial court erred in granting summary judgment on his bad faith claims and his claims for punitive damages and attorney fees.

As Popham has failed to bring forth sufficient evidence to support his claims, we affirm the trial court's grant of summary judgment with regard to each enumeration above. Additionally, we hold that the trial court did not abuse its discretion in permitting Landmark to amend its pleadings to raise a statute-of-limitations defense, as Popham failed to demonstrate prejudice resulting from that decision.

1. As a threshold matter, Popham claims the trial court erred in finding that no agency relationship existed between Greenberg and Tapco or between Greenberg and Landmark. He argues that Greenberg was acting as an agent for Tapco and/or Landmark, and that therefore genuine issues of fact exist as to whether an insurance contract between Popham and Tapco and/or Landmark was in effect at the time of the December 1, 2010, accident.

The plaintiff has the burden of bringing forth evidence establishing the existence of the agency relationship. Handy v. DeKalb Med. Ctr., Inc., 298 Ga.App. 82, 82, 679 S.E.2d 107 (2009). Under Georgia law, "[i]ndependent insurance agents or brokers are generally considered the agent of the insured, not the insurer." European Bakers, Ltd. v. Holman, 177 Ga.App. 172, 173-74 (2), 338 S.E.2d 702 (1985) (citation omitted). An independent insurance agent will be considered an agent of the insurer if the plaintiff brings forth evidence that the insurer granted the agent or broker "authority to bind coverage on the insurer's behalf." Kinard v. Nat'l Indem. Co., 225 Ga.App. 176, 178 (1), 483 S.E.2d 664 (1997) (citations omitted). Alternatively, if an insurer holds out an independent agent as its agent and an insured justifiably relies on such representation, the independent agent will be considered the agent of the insurer. See Kirby v. Nw. Nat'l Cas. Co., 213 Ga.App. 673, 678, 445 S.E.2d 791 (1994) (citation omitted).

(a) We must first determine if there is an issue of fact as to whether Greenberg was given authority by Tapco and/or Landmark to bind insurance policies on their behalf.

Greenberg indicated in his deposition that he was acting as an agent for Popham in bidding out his request for liability insurance coverage to multiple underwriters, including Tapco. He testified that he was not an agent or employee of Landmark and had no contract with Landmark. Greenberg claimed that he did not have the authority to issue a binder or an insurance policy on behalf of Tapco or Landmark. Both Tapco and Landmark repeatedly denied that Greenberg had ever been their agent.

Despite these statements, Popham argues that other statements by Greenberg and his counsel suggest Greenberg had the authority to bind Tapco. Popham specifically points to statements by Greenberg that he was a "subagent" of Tapco and had "brokerage agreements" with Tapco,3 as well as a statement by Greenberg's counsel in open court that Greenberg was an agent of Tapco.4 Popham contends that these statements cannot be ignored by the trial court and argues that they are sufficient to show a triable issue of fact as to whether Greenberg had the authority to bind Tapco and Landmark.5 We disagree.

The inquiry here is not whether Greenberg believes himself to be an "agent" or "subagent" of Tapco or Landmark or how he characterizes his relationship with those entities. Rather, the inquiry in this case is whether he had actually been granted the "authority to bind coverage on the insurer's behalf." Kinard, 225 Ga.App. at 178, 483 S.E.2d 664; see also Atlanta Mkt. Ctr. Mgmt. Co. v. McLane, 269 Ga. 604, 606-07 (1) (a), 503 S.E.2d 278 (1998) (evidence of a relationship between the purported principal and agent is insufficient where there is no evidence of agent's authority to create obligations on behalf of the principal).

Importantly, the label or characterization of the relationship by the purported agent is not sufficient to show what actual authority the agent had been given by the purported principal. Kirby, 213 Ga.App. at 677-78, 445 S.E.2d 791; cf. Jennette v. Nat'l Community Dev. Services, Inc., 239 Ga.App. 221, 223 (2), 520 S.E.2d 231 (1999) (noting that labeling the purported agent as an "independent contractor" was not dispositive to agency analysis). In Kirby, an employee of an independent insurance agent indicated in an affidavit that he and his company were agents of the insurer. Kirby, 213 Ga.App. at 675, 445 S.E.2d 791. This Court ruled that despite the employee's "initial representation that he was an agent of [the insurer]" in his affidavit, there was "no evidence to that effect." Id. at 678 (2), 445 S.E.2d 791. Kirby thus makes clear that on summary judgment, plaintiff must come forward with evidence that the insurer granted authority to the alleged agent and cannot rely on conclusory statements by the alleged agent.

While Popham fixates on the use of the terms "agent" and "subagent" by Greenberg and his counsel, those statements do not speak to any authority on Greenberg's part to bind Tapco or Landmark to an insurance policy, and the defendants unequivocally deny that Greenberg has this authority elsewhere in the record.6 We thus agree with the trial court that Popham has not brought forward evidence that Greenberg was expressly granted the authority to bind coverage on behalf of Tapco or Landmark.

(b) We must also consider whether Greenberg had the apparent authority to bind Tapco or Landmark. To prove apparent agency, "the evidence must show: (1) the apparent principal represented or held out the apparent agent; and (2) justifiable reliance upon the representation led to the injury." Kirby, 213 Ga.App. at 678 (2), 445 S.E.2d 791 (citation omitted).

Here, Landmark stated that it had no contact with Popham or Greenberg throughout the insurance application process .. Moreover, the record is devoid of any evidence that Tapco or Landmark ever held out Greenberg as an agent with the authority to bind them to an insurance contract.

Popham notes that Greenberg provided him with a certificate of insurance showing that he had insurance coverage from Landmark beginning on November 17, 2010, and argues that this implied Greenberg was working on behalf of Tapco or Landmark. However, acts or statements by the alleged agent, with no proof of any act on the part of the alleged principal, are insufficient to create an implied agency relationship. Am. Mfr. Mut. Ins. Co. v. E A Tech. Serv., 270 Ga.App. 883, 887, 608 S.E.2d 275 (2004); Howard v. St. Paul Fire & Marine Ins. Co., 180 Ga.App. 802, 804, 350 S.E.2d 776 (1986). As this Court discussed in Howard, "where the only evidence that a person is an agent of another party is the mere assumption that such agency existed, or an inference drawn from the actions of that person that he was an agent of another party, such evidence has no probative value and is insufficient to authorize a finding that such an agency exists." Howard, 180 Ga.App. at 804, 350 S.E.2d 776 (citations and punctuation omitted). With regard to certificates of insurance specifically, where there is no evidence that the alleged principal has held a person out as its agent, "a certificate of insurance, standing alone, is insufficient to authorize a finding that the agency is the agent of the carrier." E A Tech. Serv., 270 Ga.App. at 887 (2), 608 S.E.2d 275.

We thus agree with the trial court that Popham failed to bring forth evidence that Greenberg had the apparent authority to bind Tapco or Landmark to an insurance policy. Having already agreed that Greenberg lacked the actual authority to bind Tapco or Landmark to contracts of insurance, we affirm the trial court's determination that Greenberg was not an agent of Tapco or Landmark.

2. Popham next claims that even if Greenberg did not have the authority to bind Tapco or Landmark, there remains a triable question of fact as to whether an insurance contract between Popham and Tapco or Landmark was formed and later breached. We disagree.

Under Georgia law, an insurance binder is a contract for temporary insurance pending the issuance of a formal insurance policy, and both the binder and any subsequent insurance policy are governed by contract law. See McDuffie v. Criterion Cas. Co., 214 Ga.App. 818, 819-20, 449 S.E.2d 133 (1994); OCGA § 33-24-33(a). Parties to an insurance contract are "bound by its plain and unambiguous terms,"7 and "[w]here the contractual language unambiguously governs the factual scenario before the court, the court's job is simply to apply the terms of the contract as written...." Reed v. Auto-Owners Ins. Co., 284 Ga. 286, 287 (2), 667 S.E.2d 90 (2008) (citation omitted).

Here, the insurance binder clearly stated that coverage under the temporary policy would be deemed null and void if payment of the premium was not received by Tapco by November 29, 2010.8 Accordingly, interpretation of that provision of the binder was a question of law that was properly ruled upon by the trial court,9 and the only factual determination regarding such claim was whether such payment was received by Tapco by that date. As it is undisputed that the payment was not received by the deadline, applying the clear terms of the binder, it expired on its own terms, and there was no coverage under it thereafter.10

When the moving party can demonstrate that there is no genuine issue of material fact "by either presenting evidence negating an essential element of the plaintiff's claims or establishing from the record an absence of evidence to support such claims," summary judgment is proper. Oglethorpe Dev. Group v. Coleman, 271 Ga. 173, 173 (1), 516 S.E.2d 531 (1999) (citation omitted). As the undisputed facts show that the binder expired on November 29, 2010, we agree with the trial court's ruling that no contract for insurance was in effect at the time of the accident on December 1, 2010.

3. Popham also claims the trial court abused its discretion by permitting Landmark to amend its answer to raise a statute-of-limitations defense to Popham's personal injury claims after the entry of the pre-trial order.11 We disagree.

Here, the trial court entered a scheduling order for the case on March 9, 2015, that provided that the parties' pleadings could be amended until July 11, 2015.12 Tapco had raised a statute-of-limitations defense in its answer, and while he was still a party to this litigation, Greenberg amended his answer to do so with particularity on August 21, 2015.13 Landmark filed an amended answer raising the statute-of-limitations defense on December 15, 2015, over two months after it filed its motion for summary judgment.

While a defendant has the right to amend its pleadings to include affirmative defenses at any time before the entry of a pre-trial order, a party must seek leave of the court to do so after the entry of the order. See OCGA § 9-11-15(a). In determining whether to grant such a request after the entry of a scheduling order, the trial court has the power to "amend and control its processes and orders, so as to make them conformable to law and justice" OCGA § 15-1-3(6), and leave to amend pleadings is to be "freely given when justice so requires." OCGA § 9-11-15(a).

In determining whether leave to amend an answer should be allowed after entry of a pre-trial order, trial courts must balance "possible unfair prejudice to the non-moving party with the movant's reasons for delay." Rowe Dev. Corp. v. Akin & Flanders, Inc., 240 Ga.App. 766, 769 (3), 525 S.E.2d 123 (1999) (citation omitted). "Mere delay in seeking leave to amend is not a sufficient reason for denial." MCG Dev. Corp. v. Bick Realty Co., 140 Ga.App. 41, 43 (2), 230 S.E.2d 26 (1976).

Here, Popham has failed to show how he was prejudiced by the trial court's decision. In Phillips v. State Farm Mut. Auto. Ins. Co., this Court noted that the "purpose of the requirement that affirmative defenses be pleaded is to prevent surprise and to give the opposing party fair notice of what he must meet as a defense." 121 Ga.App. 342, 346 (2) (A), 173 S.E.2d 723 (1970) (citations omitted). Because both Tapco and Greenberg had raised the statute-of-limitations defense by the time Landmark did so, Popham was on notice that the defense would be considered by the trial court. In addition, Popham's claims against Landmark related to the same general body of facts as its claims against Tapco and Greenberg, and similar evidence would be utilized by Popham to respond to the assertion of the statute-of-limitations defense, regardless of which party raised it.14

We fail to see how Popham was prejudiced by the trial court's decision to permit Landmark to raise the defense. While it is clearly desirable for a defendant to raise its affirmative defenses at the earliest possible juncture, Georgia law grants trial judges wide discretion to conduct the business of their courts, including establishing and revising deadlines for pre-trial filings. We thus find no error in the trial court's decision to permit Landmark to raise the statute-of-limitations defense.

4. Popham's remaining enumerations of error regarding claims against Tapco and Landmark for bad faith, punitive damages, and attorney fees are mooted by this Court's rulings, supra. As we have upheld the trial court's ruling that neither Tapco nor Landmark had a contract of insurance with Popham in effect on the date of the accident, no bad faith claim can be asserted against either defendant for failure to pay a claim arising from that accident. See Lavoi Corp., Inc. v. Nat'l Fire Ins. of Hartford, 293 Ga.App. 142, 146 (1) (b), 666 S.E.2d 387 (2008); OCGA § 33-4-6(a). Similarly, awards of punitive damages and attorney fees are derivative of underlying claims, where those claims fail, claims for punitive damages and attorney fees also fail. See Nelson v. Glynn-Brunswick Hosp. Auth., 257 Ga.App. 571, 579 (5), 571 S.E.2d 557 (2002) ("In accordance with OCGA § 51-12-5.1, punitive damages can only be awarded as additional damages.") and United Cos. Lending Corp. v. Peacock, 267 Ga. 145, 146 (2), 475 S.E.2d 601 (1996) ("A prerequisite to any award of attorney fees ... is the award of ... relief on the underlying claim"). Because each of Popham's claims against Tapco and Landmark fail as a matter of law, Popham cannot recover punitive damages or attorney fees.

Judgment affirmed.

McFadden, P.J., and McMillian, J., concur.