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 Rules change frequently and this material may be out of date or incomplete.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.
Full disclaimer- Alabama No license No public adjuster statute
- Alaska No license No public adjuster statute
- Arizona Licensed No statutory fee cap No prelicensing Exam · PSI
- Arkansas Prohibited Ark. Code §§ 23-64-102, 23-64-201
- California Licensed No statutory fee cap · Bond: $20,000 20h prelicensing Exam · PSI 24h CE
- Colorado Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · Pearson VUE 24h CE
- Connecticut Licensed Fee cap: 10% of the final settlement 40h prelicensing Exam · Pearson VUE
- 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
- District of Columbia Licensed Fee cap: 10% of the total insurance recovery · Bond: $20,000 Exam · Pearson VUE
- Florida Licensed Fee cap: 20% of claim payments · Bond: $50,000 No prelicensing Exam · Pearson VUE 24h CE
- Georgia Licensed No statutory fee cap · Bond: $5,000 16h prelicensing Exam · Pearson VUE 24h CE
- Hawaii Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · Pearson VUE
- Idaho Licensed No statutory fee cap · Bond: $20,000 bond or letter of credit No prelicensing Exam · Pearson VUE 24h CE
- Illinois Licensed Fee cap: 10% on personal-residence claims · Bond: $50,000 No prelicensing Exam · Pearson VUE 24h CE
- Indiana Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · Pearson VUE
- Iowa Licensed Fee cap: 15% of insurer-approved claim payments · Bond: $50,000 No prelicensing Exam · Pearson VUE 24h CE
- Kansas Licensed No statutory fee cap · Bond: Amount set by the Commissioner No prelicensing Exam · Pearson VUE 18h CE
- 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
- Louisiana Licensed Fee cap: 10% of the claim, all coverages combined · Bond: $50,000 No prelicensing Exam · PSI 24h CE
- Maine Licensed No statutory fee cap No prelicensing Exam · Pearson VUE
- Maryland Licensed No statutory fee cap No prelicensing Exam · Prometric 24h CE
- Massachusetts Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 15h CE
- Michigan Licensed Fee cap: 10% of the amount the insurer pays in settlement No prelicensing Exam · PSI
- Minnesota Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · PSI 24h CE
- Mississippi Licensed Fee cap: 10% of settlement proceeds · Bond: $50,000 20h prelicensing Exam · Pearson VUE 24h CE
- Missouri Licensed No statutory fee cap · Bond: $10,000 plus $1,000 per employee adjuster or solicitor No prelicensing Exam · Pearson VUE
- Montana Licensed No statutory fee cap · Bond: $5,000 No prelicensing Exam · Pearson VUE 24h CE
- Nebraska Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 24h CE
- Nevada Licensed No statutory fee cap 20h prelicensing Exam · Pearson VUE 24h CE
- New Hampshire Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 15h CE
- New Jersey Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · PSI 15h CE
- New Mexico Licensed No statutory fee cap · Bond: $10,000 No prelicensing Exam · PSI 24h CE
- New York Licensed Fee cap: 12.5% of the recovery · Bond: $1,000 40h prelicensing Exam · PSI 15h CE
- North Carolina Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · Pearson VUE 24h CE
- North Dakota Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 24h CE
- Ohio Licensed No statutory fee cap · Bond: $1,000 per person named in the application No prelicensing Exam · PSI
- Oklahoma Licensed No statutory fee cap · Bond: $25,000 No prelicensing Exam · PSI 24h CE
- Oregon Licensed No statutory fee cap No prelicensing Exam · PSI 24h CE
- Pennsylvania Licensed No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 24h CE
- Rhode Island Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 24h CE
- South Carolina Licensed No statutory fee cap · Bond: $20,000 bond or letter of credit No prelicensing Exam · Pearson VUE 24h CE
- South Dakota No license No public adjuster statute
- Tennessee Licensed No statutory fee cap · Bond: $50,000, plus $500,000 E&O coverage No prelicensing Exam · Pearson VUE 24h CE
- Texas Licensed Fee cap: 10% of the settlement · Bond: $10,000 No prelicensing Exam · Pearson VUE 24h CE
- Utah Licensed No statutory fee cap Exam · Prometric 24h CE
- Vermont Licensed No statutory fee cap No prelicensing Exam · Prometric
- Virginia Licensed No statutory fee cap · Bond: $50,000 No prelicensing Exam · Prometric 24h CE
- Washington Licensed No statutory fee cap · Bond: $5,000 No prelicensing Exam · PSI 24h CE
- West Virginia Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 24h CE
- Wisconsin Registration No statutory fee cap · Bond: $20,000 No prelicensing Exam · PSI 15h CE
- Wyoming Licensed No statutory fee cap No prelicensing Exam · Pearson VUE 24h CE