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Probably not due to commonality but as they weren't the recommendation of the agent. The agent, like the owner, doesn't know the applicant (unless they have previously rented through them/previous relationship) but that is not to say that what looks good on paper/reference checked etc can't...

It's not the agent who approved the tenant, they recommend based upon reference checks and the owner approves. There is no liability on the agent unless they failed to check out the tenants.

The commission on selling the policy has no relationship with the policy holder's claims. The insurance company pays someone to sell their policies, end of transaction - you do the same if you go through a broker or if your strata manager arranges insurance for a block of flats etc. As for...