State guides

Public adjuster licensing by state

Whether the state licenses public adjusters, what it caps fees at, the bond it requires and the statute that governs the work, for all 50 states and the District of Columbia, each drawn from the statute or regulator page it links to. General information gathered from public sources, not legal advice. Confirm anything you rely on with the regulator.

General education, not advice

These pages gather licensing information published by each state's insurance regulator and legislature. Rules change frequently and this material may be out of date or incomplete. It is general information, not legal advice. Follow the source links and confirm anything you intend to rely on with the regulator.

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  1. Alabama No license No public adjuster statute
  2. Alaska No license No public adjuster statute
  3. Arizona Licensed No statutory fee cap No prelicensing Exam · PSI
  4. Arkansas Prohibited Ark. Code §§ 23-64-102, 23-64-201
  5. California Licensed No statutory fee cap · Bond: $20,000 20h prelicensing Exam · PSI 24h CE
  6. Colorado Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · Pearson VUE 24h CE
  7. Connecticut Licensed Fee cap: 10% of the final settlement 40h prelicensing Exam · Pearson VUE
  8. Delaware Licensed Fee cap: 2.5% of the first $25,000, then up to 12% · Bond: $20,000 No prelicensing Exam · Pearson VUE 12h CE
  9. District of Columbia Licensed Fee cap: 10% of the total insurance recovery · Bond: $20,000 Exam · Pearson VUE
  10. Florida Licensed Fee cap: 20% of claim payments · Bond: $50,000 No prelicensing Exam · Pearson VUE 24h CE
  11. Georgia Licensed No statutory fee cap · Bond: $5,000 16h prelicensing Exam · Pearson VUE 24h CE
  12. Hawaii Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · Pearson VUE
  13. Idaho Licensed No statutory fee cap · Bond: $20,000 bond or letter of credit No prelicensing Exam · Pearson VUE 24h CE
  14. Illinois Licensed Fee cap: 10% on personal-residence claims · Bond: $50,000 No prelicensing Exam · Pearson VUE 24h CE
  15. Indiana Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · Pearson VUE
  16. Iowa Licensed Fee cap: 15% of insurer-approved claim payments · Bond: $50,000 No prelicensing Exam · Pearson VUE 24h CE
  17. Kansas Licensed No statutory fee cap · Bond: Amount set by the Commissioner No prelicensing Exam · Pearson VUE 18h CE
  18. Kentucky Licensed Fee cap: 10% of settlement proceeds received by the insured (contracts from July 15, 2026) · Bond: $50,000 No prelicensing Exam · State-administered 24h CE
  19. Louisiana Licensed Fee cap: 10% of the claim, all coverages combined · Bond: $50,000 No prelicensing Exam · PSI 24h CE
  20. Maine Licensed No statutory fee cap No prelicensing Exam · Pearson VUE
  21. Maryland Licensed No statutory fee cap No prelicensing Exam · Prometric 24h CE
  22. Massachusetts Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 15h CE
  23. Michigan Licensed Fee cap: 10% of the amount the insurer pays in settlement No prelicensing Exam · PSI
  24. Minnesota Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · PSI 24h CE
  25. Mississippi Licensed Fee cap: 10% of settlement proceeds · Bond: $50,000 20h prelicensing Exam · Pearson VUE 24h CE
  26. Missouri Licensed No statutory fee cap · Bond: $10,000 plus $1,000 per employee adjuster or solicitor No prelicensing Exam · Pearson VUE
  27. Montana Licensed No statutory fee cap · Bond: $5,000 No prelicensing Exam · Pearson VUE 24h CE
  28. Nebraska Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 24h CE
  29. Nevada Licensed No statutory fee cap 20h prelicensing Exam · Pearson VUE 24h CE
  30. New Hampshire Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 15h CE
  31. New Jersey Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · PSI 15h CE
  32. New Mexico Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · PSI 24h CE
  33. New York Licensed Fee cap: 12.5% of the recovery · Bond: $1,000 40h prelicensing Exam · PSI 15h CE
  34. North Carolina Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · Pearson VUE 24h CE
  35. North Dakota Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 24h CE
  36. Ohio Licensed No statutory fee cap · Bond: $1,000 per person named in the application No prelicensing Exam · PSI
  37. Oklahoma Licensed No statutory fee cap · Bond: $25,000 No prelicensing Exam · PSI 24h CE
  38. Oregon Licensed No statutory fee cap No prelicensing Exam · PSI 24h CE
  39. Pennsylvania Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 24h CE
  40. Rhode Island Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 24h CE
  41. South Carolina Licensed No statutory fee cap · Bond: $20,000 bond or letter of credit No prelicensing Exam · Pearson VUE 24h CE
  42. South Dakota No license No public adjuster statute
  43. Tennessee Licensed No statutory fee cap · Bond: $50,000, plus $500,000 E&O coverage No prelicensing Exam · Pearson VUE 24h CE
  44. Texas Licensed Fee cap: 10% of the settlement · Bond: $10,000 No prelicensing Exam · Pearson VUE 24h CE
  45. Utah Licensed No statutory fee cap Exam · Prometric 24h CE
  46. Vermont Licensed No statutory fee cap No prelicensing Exam · Prometric
  47. Virginia Licensed No statutory fee cap · Bond: $50,000 No prelicensing Exam · Prometric 24h CE
  48. Washington Licensed No statutory fee cap · Bond: $5,000 No prelicensing Exam · PSI 24h CE
  49. West Virginia Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 24h CE
  50. Wisconsin Registration No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 15h CE
  51. Wyoming Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 24h CE