Public Adjuster Requirements

Licensing Requirements for Public Adjusters

Effective July 1, 2007, no person or business entity shall act or hold out as being a public adjuster unless licensed as a public adjuster.

A business entity acting as a public adjuster is required to obtain a public adjuster license. The business entity must designate a licensed public adjuster responsible for ensuring compliance with Tennessee insurance laws, rules, and regulations.

General Requirements:

1. The applicant is at least eighteen (18) years of age.
2. Resides in Tennessee or is eligible for a nonresident license pursuant to 56-6-908.
3. The applicant is trustworthy, reliable, and of good reputation.
4. The applicant is financially responsible to exercise the license, and has provided proof of financial responsibility as required by 56-6-91
5. The applicant maintains an office in the applicant’s home state of residence, with public access by reasonable appointment or regular business hours, or both.
6. The applicant must pass the public adjuster examination.
7. The business entity must designate a licensed public adjuster responsible for the business entity’s compliance with the insurance laws, rules, and regulations of this state.

Application Procedures for Resident Public Adjusters:

1. Schedule your examination and pay the examination fee to Pearson call Phone: (800) 274-4957.
2. Fingerprint based background check is required - see the link for directions. https://www.tn.gov/commerce/insurance/agent-producer-resources/licensing-packets-instructions-forms/fingerprint.html
3. Pass the required examination. Pearson will electronically submit your scores to the department.
4. Submit your application electronically at www.nipr.com. Filing fee is $100.00. YOU MUST WAIT 48 HOURS FROM TAKING THE EXAMINATION TO SUBMIT YOUR APPLICATION ELECTRONICALLY.
5. Surety Bond in the amount of $50,000. (link below for the bond form)
   www.tn.gov/content/dam/tn/commerce/documents/insurance/forms/PublicAdjusterBond_20260220.pdf
6. Proof of an Errors and Omissions Policy in the amount of $500,000.
7. You will be issued a license by the Tennessee Department of Commerce and Insurance upon meeting all licensing requirements.

Application Procedures for Nonresident Public Adjusters:

1. Submit the Uniform Application for Individual Public Adjuster electronically at www.nipr.com. Filing Fee is $100.00
2. Home state verification will be performed through the National Producer Database (PDB). If information cannot be obtained through the PDB, submit Letter of Certification from home state.
3. Surety Bond in the amount of $50,000. (link below for the bond form)
   www.tn.gov/content/dam/tn/commerce/documents/insurance/forms/PublicAdjusterBond_20260220.pdf
4. Proof of an Errors and Omissions Policy in the amount of $500,000.

Application Procedures for Public Adjuster Business Entity:
Business entities operating as a public adjuster in Tennessee must obtain a Public Adjuster Business Entity License.

1. Submit the Uniform Application for  Business Entity Public Adjuster License electronically at www.nipr.com.
2. Filing Fee - $100.00
3. Business entity must designate a licensed public adjuster responsible for the business entity’s compliance with the insurance laws, rules, and regulations of TN

THE TENNESSEE DEPARTMENT OF COMMERCE AND INSURANCE MAKES THE FINAL DECISION AS TO WHETHER TO LICENSE ANY APPLICANT UNDER TENNESSEE INSURANCE LAW.

Renewal Information

A public adjuster license shall remain in effect for a period of two years. Renewal is on the anniversary date of licensure - $100.00 renewal fee.

A public adjuster who allows the adjuster’s license to lapse may, within twelve (12) months from the date of expiration, be issued a new public adjuster license upon the department’s receipt of the renewal form. However, a penalty in the amount of double the renewal fee shall be required, and subject to other penalties as provided by law, before the license will be renewed.

Continuing Education

An individual who holds a public adjuster license shall satisfactorily complete a minimum of twenty-four (24) hours of continuing education courses, including ethics, reported on a biennial basis in conjunction with the license renewal cycle. The education requirements shall be in addition to any other continuing education requirements required for other
professional licenses held by the individuals. Only continuing education courses approved by the commissioner shall be used to satisfy the continuing education requirement.

Nonresident public adjuster licensees who have met the continuing education requirements in their home state and whose home state gives credit to residents of this state on the same basis are not required to complete continuing education in TN.