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State guide

How to become a public adjuster in Vermont

Vermont requires a public adjuster license. There is no statutory fee cap; the governing law is 8 V.S.A. §§ 4791, 4803.

The pathway

Getting licensed in Vermont

The license is the Public Adjuster. 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. Issued by the Vermont Department of Financial Regulation, Insurance Division, under 8 V.S.A. ch. 131 (ss. 4791, 4800, 4803). Vermont issues separate Adjuster (property and casualty), Workers' Compensation Adjuster, Crop Adjuster, and Public Adjuster licenses; the public adjuster license carries a higher fee ($200 vs $120).

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 Fees and hours change with the legislative calendar, and this page may be out of date.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. Meet the experience requirement: two years handling loss claims, documented special training, or supervised employment under a Vermont public adjuster licensed at least three years.

  2. Register with Prometric and pass the Vermont Adjuster's Property and Casualty examination (series 14-33); keep the original score report.

  3. Apply within 24 months of passing: residents online through NIPR (or by paper with the NAIC Uniform Individual Application, score report, and Attachment 2 certification); non-residents must use NIPR.

  4. Pay the $200 license fee (plus the $30 application fee on paper applications and any NIPR transaction fee).

  5. Keep transaction records at your licensed address for at least three years as required by 8 V.S.A. s. 4803(c).

  6. Renew by March 31 of each even-numbered year ($200); no continuing education is required.

Who can apply
At least 18 years old · Residents and non-residents · One of: (1) two years' experience handling loss claims; (2) special training of sufficient duration and scope (submit syllabi, curriculum, and materials); or (3) employment under the immediate personal supervision of a Vermont-licensed public adjuster who has been licensed at least three years (8 V.S.A. s. 4803(a)(4)). Residents and non-residents may be licensed. Vermont does not allow non-resident adjusters to designate Vermont as their home state.
Prelicensing course
Not required No prelicensing course is required; the experience/special-training requirement applies instead.
State exam
Prometric There is no separate public adjuster exam; DFR requires the Adjuster's Property and Casualty exam and the original score report. An application must be filed within 24 months of the exam (8 V.S.A. s. 4800(3)(D)). Non-residents who passed an exam in another state where they are licensed may submit a letter of certification instead.
Application
NIPR · $200 application fee Application fee $30 (paper) in addition to the $200 license fee; Prometric exam fee. Non-residents must apply electronically through NIPR; residents may apply through NIPR or by paper (NAIC Uniform Individual Application, original score report, Attachment 2 Certification of Examination and knowledge of the Vermont Unfair Trade Practices Act, $30 application fee and $200 license fee). Routine electronic applications are generally issued within 48 hours. Fees are not prorated. Non-resident fees are retaliatory (the higher of Vermont's fee or the home state's).
Background check
Applicant must be deemed competent, trustworthy, and financially responsible; background questions on the NAIC Uniform Individual Application. No fingerprint requirement found.
Surety bond
No bond required No bond is required for public adjusters; 8 V.S.A. ch. 131 imposes a bond only on insurance consultants (s. 4800(3)(i)) and the DFR public adjuster page lists none.
Renewal
Every 2 years · $200 Fixed term April 1 to March 31 of even-numbered years regardless of issue date; DFR sends renewal notices at the start of each even year. 8 V.S.A. s. 4800(3)(B)(v): initial 24-month license and biennial renewal fee for public adjusters is $200. Fees are not prorated for licenses issued mid-term.
Continuing education
None required DFR FAQ: Vermont does not require continuing education for public adjusters (CE applies to producers and workers' compensation adjusters).
Already licensed elsewhere?
Reciprocity available Non-resident public adjusters apply through NIPR; the Vermont exam is satisfied by a letter of certification from another state where the applicant took an exam and is currently licensed. Vermont does not allow non-residents to designate it as home state, and license fees are retaliatory.

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:

  • ·Exam questions: Prometric Vermont bulletin does not state the question count for the Adjuster's P&C exam
  • ·Exam time minutes: Not stated in the Prometric Vermont bulletin
  • ·Exam passing score: Not stated in the Prometric Vermont bulletin
  • ·Exam fee: The Prometric bulletin (cover dated effective 2026-03-18, body revised 2021) contains two registration forms listing the Adjuster's P&C exam at $87 and at $67.60; could not determine which is current, and prometric.com/exams/insurance-vt could not be reached when we checked

Vermont in the reference tables

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

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

Vermont law in the library

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

  • 8 V.S.A. § 4724 — Unfair methods of competition or unfair or deceptive acts or practices defined Binding law
  • Regulation I-79-2 (Revised Eff. 7/1/18) — Fair Claims Practices Binding law
  • Regulation I-79-2 (Revised Eff. 7/1/18) — Fair Claims Practices Binding law
  • Vermont Title 12, Chapter 23 — Limitation of Time for Commencement of Actions Binding law
  • Vermont Title 8, Chapter 105 — Fire and Casualty Insurance Binding law
  • Vermont Title 8, Chapter 128 — Insurance Rates and Statistics; Residual Market Mechanisms; Cancellation of Commercial Risk Insurance Binding law
  • Vermont Title 8, Chapter 129 — Insurance Trade Practices Binding law
  • Vermont Title 8, Chapter 131 — Licensing Requirements (producers, adjusters, public adjusters) Binding law