PublicAdjust.ing Knowledge Base
Overview States Guides Resources Carriers Templates Reference

State guide

How to become a public adjuster in Missouri

Missouri requires a public adjuster license. There is no statutory fee cap; the surety bond is $10,000 plus $1,000 per employee adjuster or solicitor; the governing law is RSMo §§ 325.010–325.055.

Three-business-day cancellation right.

The pathway

Getting licensed in Missouri

The Missouri Department of Commerce and Insurance issues the Public Adjuster license. It is its own license, so make sure any course or exam you book is the public adjuster one and not the company or independent adjuster version. Missouri does not license company or independent adjusters at all; RSMo ch. 325 licenses only public adjusters (fire and allied lines) and public adjuster solicitors. Licenses may not be late-renewed (RSMo 325.025.1): a lapsed licensee must retake the exam and reapply.

Official sources

Gathered from these sources on August 28, 2026. Fees and hours change with the legislative calendar, and this page may be out of date. The regulator’s own page is the only current authority.

  1. Register with Pearson VUE and pass the Missouri Public Adjuster exam (exam 20; 50 questions, $25).

  2. Arrange a $10,000 corporate surety bond (plus $1,000 for each employee who will adjust or solicit).

  3. Complete form MO 375-0111 and mail it to the Department of Commerce and Insurance with the $100 fee and the bond.

  4. Renew every year on your anniversary date for $50; there is no grace period, so a missed renewal means re-testing.

Who can apply
At least 18 years old · Residents and non-residents · None; the application asks for a five-year occupational history (RSMo 325.020.2) RSMo ch. 325 sets no residency requirement; the Pearson VUE handbook allows nonresident applicants with a Letter of Certification (or PDB-participating home state).
Prelicensing course
Not required Pearson VUE handbook license chart lists education required as "None" for Public Adjuster
State exam
Pearson VUE · 50 questions · 60 minutes · pass at 70 (scaled) · $25 per attempt 50 scored questions on state statutes, rules and regulations (content outline #122601). The same outline serves the Public Adjuster Solicitor exam (exam 21).
Application
Paper · $100 application fee State exam $25. Form MO 375-0111 (Application/Renewal for Public Adjuster). The Pearson VUE handbook says to "contact the Department" for public adjuster applications rather than NIPR. Application fee set by RSMo 325.025.1 at $100 per individual.
Background check
Not stated on the regulator page, in RSMo ch. 325, or in the Pearson VUE handbook; no fingerprint requirement is listed for this license
Surety bond
$10,000 Corporate surety bond of $10,000 for the public adjuster plus a separate $1,000 bond for each employee acting as a public adjuster or solicitor (RSMo 325.020.1)
Renewal
Every year · $50 Renew annually on the anniversary date of issuance; if the fee is not paid by that date the license terminates and no late renewal is allowed (RSMo 325.025).
Continuing education
None required No CE requirement for public adjusters in RSMo ch. 325; the Pearson VUE handbook CE chart lists no public adjuster line
Already licensed elsewhere?
Not stated in these sources RSMo ch. 325 contains no nonresident or reciprocity provision; nonresidents appear to apply on the same terms (exam included) with a home-state Letter of Certification

Not stated in these sources

These points were not stated in the sources listed, so we have left them blank rather than guess. Ask the regulator directly:

  • ·Eligibility background check: No source mentions fingerprints or a criminal history check for this license
  • ·Reciprocity available: Statute silent; not confirmed with the Department
  • ·Exam time minutes: Handbook lists '1 hour'; taken as 60 minutes

Missouri in the reference tables

Each table answers one question for all 50 states and DC, with the citation. Open one and find the Missouri row.

See how a claim runs in Missouri, stage by stage Associations covering Missouri

Missouri law in the library

34 primary-source documents for Missouri: statutes, regulations, bulletins and consumer guides, stored as published. Sign in to open them.

  • 20 CSR 500-1 - Property and Casualty Insurance in General (Standard Fire Policy, mandated appraisal language, cancellation notice, arbitration) Missouri Department of Commerce and Insurance (rules published by the Secretary of State)
  • 20 CSR 500-1 - Property and Casualty Insurance in General (Standard Fire Policy, mandated appraisal language, cancellation notice, arbitration) Missouri Department of Commerce and Insurance (rules published by the Secretary of State)
  • 20 CSR 700-2 - Public Adjusters and Public Adjuster Solicitors (all rules rescinded September 30, 2019) Missouri Department of Commerce and Insurance (rules published by the Secretary of State)
  • 20 CSR 700-2 - Public Adjusters and Public Adjuster Solicitors (all rules rescinded September 30, 2019) Missouri Department of Commerce and Insurance (rules published by the Secretary of State)
  • Missouri Additional Damages for Vexatious Refusal to Pay — RSMo § 375.296 Missouri General Assembly
  • Missouri Basic Property Insurance Inspection and Placement Program (Missouri FAIR Plan) — RSMo §§ 379.810–379.880 Missouri General Assembly
  • Missouri Fraudulent Insurance Act — RSMo § 375.991 Missouri General Assembly
  • Missouri Improper Claims Practices — RSMo § 375.1007 Missouri General Assembly