Licensing Requirements: Public Insurance Adjuster

Licensing Requirements: Public Insurance Adjuster

The requirements for public insurance adjusters are governed by M.G.L. c. 175 § 172. To become an insurance adjuster in the Commonwealth, applicants must meet the following requirements:

The applicant must be at least twenty-one (21) years of age. No insurance license issued to the applicant has ever been revoked or suspended. The applicant is trustworthy and competent. An original passing score report provided by the testing vendor. No application shall be filed unless and until the applicant can demonstrate that they have 2 years experience performing services in connection with adjusting of property losses. Applicants should submit with their application evidence to substantiate the work experience or educational achievement stated on their applications. A public insurance adjuster license will be issued only if an applicant demonstrates to the satisfaction of the Commissioner adequate "knowledge of building construction techniques and materials, claims adjusting, as well as knowledge of relevant insurance principles and coverage” as outlined below: Experience working for a public insurance adjuster, a company adjuster, or an independent insurance adjuster performing services in connection with adjusting of property loss claims. Experience working in building construction, construction estimating, building rehabilitation, or building restoration in connection with property loss claims. Experience working with insurance claims including claim negotiation, claim appraisal, claim estimating, or property damage assessment involving the settlement or adjustment of property loss claims on behalf of an insurance company. A written contract describing adjusting services. (Public Insurance Adjuster Model Contracts) The name on a public insurance adjuster's contract must correspond with the name on the public insurance adjuster's license; no other name will be accepted. An individual public insurance adjuster may not use his/her employer's contract with employer's name. Two (2) passport sized photos taken within sixty (60) days of the date of the application. A current CORI (background) report issued by the Massachusetts Department of Criminal Justice Information Services. A complete and accurate public insurance adjuster application submitted through NIPR.com with the fee of $200.00. Please note the fee is non-refundable.  Questions may be directed to the Producer Licensing Department at [e-mail]