Independent Adjuster

An independent adjuster is a specific type of claims adjuster that works on behalf of insurers. Unlike company/staff adjusters, independent adjusters can contract with more than one carrier. Self-employed or employed by independent adjusting firms, independent adjusters are often hired to support higher volumes of claims during multi-state expansion or catastrophe events. 

What Are Independent Adjuster Licensing Requirements?

Licensing requirements for independent adjusters are similar to those for producers and may include background checks, pre-licensing education, licensing exams, continuing education, and renewals. 

However, due to varying state requirements and the fact that not all states license adjusters, independent adjusters face a unique licensing landscape:

• License: Many states require separate insurance licenses for independent adjusters. 
• Appointment: In some states, independent adjusters must be appointed before adjusting claims on a carrier’s behalf. Appointment requirements vary by state. 
• Home State: Any state in which the independent adjuster maintains their principal place of residence or principal place of business and is licensed as a resident adjuster. 
• Designated Home State (DHS): If the resident state does not license adjusters, an independent adjuster can select a designated home state to serve as the licensing home state for reciprocity and non-resident licensing.