(2) Unless otherwise agreed, the broker has, as against the assured, a lien upon the policy for the amount of the premium and his or her charges in respect of effecting the policy; and, where he or she has dealt with the person who employs him or her as a principal, he or she has also a lien on the policy in respect of any balance on any insurance account which may be due to him or her from such person, unless when the debt was incurred he or she had reason to believe that such person was only an agent.