Insurance Adjuster License Requirements

What Is an Insurance Adjuster?

An insurance adjuster investigates and evaluates insurance claims. Adjusters examine property damage or bodily injury, interpret policy provisions, determine the extent of an insurer’s liability, and negotiate settlements. Adjusters may represent the insurer (staff or independent adjusters) or the insured (public adjusters).

Is a License Required?

Most states require adjusters to hold an insurance adjuster or public adjuster license, though some states exempt company staff adjusters. License requirements differ for independent adjusters (who represent insurers) and public adjusters (who represent policyholders). Check the state page for distinctions.

Overview of the Licensing Process

1. Determine the adjuster category – staff, independent, or public.
2. Meet eligibility requirements – Minimum age (often 18–21), background check, and sometimes proof of citizenship or residency.
3. Complete pre‑licensing education – Many states require coursework on claims handling, ethics, and insurance law.
4. Pass the adjuster licensing exam – If required, pass a state exam covering insurance principles and relevant state law.
5. Submit an application with fees and proof of any required bond or insurance.

Regulatory Authority

Insurance adjusting is regulated by the state insurance department or division. These authorities issue licenses, administer exams, and enforce laws governing claim‑handling practices.

Renewal and Continuing Education

Adjuster licenses often renew every two years. Adjusters must complete continuing education (CE) hours—frequently including ethics topics—and maintain required bonds or insurance. Renewal fees apply.

Reciprocity

Many states grant reciprocity for adjusters licensed in states such as Texas or Florida. Non‑resident adjusters must apply through NIPR and meet any additional state‑specific requirements.

Select Your State

Use the selector below to explore adjuster licensing requirements in your state. Each page details categories of adjusters, education and exam requirements, and renewal rules.

Resources

• Insurance Adjuster Licensing Resources
• Insurance Agent License Requirements
• Continuing Education for Adjusters

Next Steps

1. Determine whether you need a staff, independent, or public adjuster license.
2. Complete pre‑licensing education as required by your state.
3. Pass the licensing exam (if applicable).
4. Submit your application via the state department or NIPR.
5. Renew and complete CE on schedule to maintain compliance.