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Insurance Adjuster
Insurance adjuster licensing varies dramatically by state. Some states require licensing for all adjuster types, while others exempt staff adjusters or don't require licensing at all. Public adjusters face the most stringent requirements including bonding, E&O insurance, and examinations.
51
Total States
34
Require License
43
License Public Adjusters
51
Exempt Staff Adjusters
Insurance adjuster licensing depends on the type of adjusting work performed and varies significantly from state to state.
There are four main types of insurance adjusters: staff adjusters (employed by insurers), independent adjusters (contracted by multiple insurers), public adjusters (representing policyholders), and catastrophe adjusters (deployed after disasters). Each type may have different licensing requirements.
Public adjusters work on behalf of policyholders and typically face the strictest requirements including bonding, E&O insurance, and examinations. Independent adjusters work for insurers on a contract basis and are licensed in most states. Staff adjusters are often exempt from licensing.
Many states require public adjusters to post a surety bond, typically ranging from $5,000 to $50,000, as financial protection for consumers. Some states also require errors and omissions (E&O) insurance. Bond and insurance requirements vary significantly by state.
Click any column header to sort. Click a state to view full requirements.
| State | License Req. | Credential | Types Licensed | Exam | CE Hours | Fees | Verified |
|---|---|---|---|---|---|---|---|
| Alabama(AL) | Yes | Licensed Independent Adjuster | Independent | Yes | 24 | $234 | Mar 2026 |
| Alaska(AK) | Yes | Licensed Independent Adjuster | Independent | Yes | 24 | $211 | Mar 2026 |
| Arizona(AZ) | Yes | Licensed Adjuster | Public, Independent | Yes | 0 | $200 | Mar 2026 |
| Arkansas(AR) | Yes | Licensed Adjuster | Independent | Yes | 24 | $119 | Mar 2026 |
| California(CA) | Yes | Licensed Insurance Adjuster | Public, Independent | Yes | 24 | $450-$500 | Mar 2026 |
| Colorado(CO) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Connecticut(CT) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $200 | Mar 2026 |
| Delaware(DE) | Yes | Licensed Adjuster | Public, Independent | Yes | 12 | $262-$275 | Mar 2026 |
| District of Columbia(DC) | No | Not applicable | — | No | 0 | Not applicable | Mar 2026 |
| Florida(FL) | Yes | All-Lines Adjuster (6-20) | Public, Independent, Catastrophe | Yes | 24 | $221 | Mar 2026 |
| Georgia(GA) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $236 | Mar 2026 |
| Hawaii(HI) | Yes | Licensed Adjuster | Public, Independent | Yes | 0 | $299 | Mar 2026 |
| Idaho(ID) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $206 | Mar 2026 |
| Illinois(IL) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Indiana(IN) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $109 | Mar 2026 |
| Iowa(IA) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Kansas(KS) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 18 | Not applicable for independent adjusters | Mar 2026 |
| Kentucky(KY) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $127 | Mar 2026 |
| Louisiana(LA) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $131 | Mar 2026 |
| Maine(ME) | Yes | Licensed Adjuster | Public, Independent | Yes | 0 | $100 | Mar 2026 |
| Maryland(MD) | No | Not applicable | — | No | 0 | Not applicable | Mar 2026 |
| Massachusetts(MA) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 15 | Not applicable for independent adjusters | Mar 2026 |
| Michigan(MI) | Yes | Licensed Adjuster | Public, Independent | Yes | 0 | $56 | Mar 2026 |
| Minnesota(MN) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $108-$140 | Mar 2026 |
| Mississippi(MS) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $152 | Mar 2026 |
| Missouri(MO) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 16 | Not applicable for independent adjusters | Mar 2026 |
| Montana(MT) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $139 | Mar 2026 |
| Nebraska(NE) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Nevada(NV) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $224 | Mar 2026 |
| New Hampshire(NH) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $140 | Mar 2026 |
| New Jersey(NJ) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 15 | Not applicable for independent adjusters | Mar 2026 |
| New Mexico(NM) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $105 | Mar 2026 |
| New York(NY) | Yes | Licensed Adjuster | Public, Independent | Yes | 15 | $133 | Mar 2026 |
| North Carolina(NC) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $108 | Mar 2026 |
| North Dakota(ND) | No | Not applicable; North Dakota does not license adjusters | — | No | 0 | Not applicable | Mar 2026 |
| Ohio(OH) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Oklahoma(OK) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $102 | Mar 2026 |
| Oregon(OR) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $135 | Mar 2026 |
| Pennsylvania(PA) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Rhode Island(RI) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $315 | Mar 2026 |
| South Carolina(SC) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $128 | Mar 2026 |
| South Dakota(SD) | No | Not applicable; South Dakota does not license adjusters | — | No | 0 | Not applicable | Mar 2026 |
| Tennessee(TN) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Texas(TX) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $93 | Mar 2026 |
| Utah(UT) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $135 | Mar 2026 |
| Vermont(VT) | Yes | Licensed Adjuster | Public, Independent | Yes | 0 | $165 | Mar 2026 |
| Virginia(VA) | No | Not applicable for independent adjusters; Public Adjuster License available | Public | No | 24 | Not applicable for independent adjusters | Mar 2026 |
| Washington(WA) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $90 | Mar 2026 |
| West Virginia(WV) | Yes | Licensed Adjuster | Public, Independent | Yes | 0 | $102 | Mar 2026 |
| Wisconsin(WI) | No | Not applicable; Wisconsin does not license adjusters | — | No | 0 | Not applicable | Mar 2026 |
| Wyoming(WY) | Yes | Licensed Adjuster | Public, Independent | Yes | 24 | $196 | Mar 2026 |
Insurance adjusters often work alongside other licensed insurance professionals. Explore related licensing requirements.
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