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For Questions, Changes or Clarifications regarding the Adjuster Licensing information, please send an email to licensing@theclm.org

Last Reviewed / Modified On 22 Mar 2016.

KENTUCKY ADJUSTER LICENSING INFORMATION

License Types

Independent Adjuster

Independent Adjusters are licensed in Kentucky. Independent adjuster investigates and settles property and casualty claims solely on behalf of the insurers

Public Adjuster

Public Adjusters are licensed in Kentucky.

Crop Adjuster

Crop adjuster investigates and settles crop claims only

Workmen Compensation Adjuster

Workers' compensation adjuster investigates and settles workers' compensation claims only.

Exclusions

  • According to the Kentucky Department of Insurance website, an adjuster license is not required for:
  • An adjuster who is sent to Kentucky by an insurer, for fewer than 90 days, to investigate claims relating to a “declared common catastrophe;
  • A licensed attorney working as such for a “specific client only”.
  • A “licensed agent with claim authority granted by the insurer as long as the agent does not receive any compensation for adjusting services;”
  • A representative of an insurer who is acting as a supervisor and not adjusting claims “in conjunction with the contract adjuster (field adjuster);”
  • A “person employed only for the purpose of obtaining facts surrounding a claim or furnishing technical assistance to a licensed adjuster, including photographer, estimator, private investigator, engineer, and handwriting expert,” or
  • A “person performing adjusting services under an agent license for limited line of authority for crop insurance.”

Licensing Requirements

Requirements

To become a licensed Kentucky Resident insurance adjuster, individuals must:

  • Be at least 18 years old.
  • Be a resident of Kentucky or hold an adjuster license (for which an exam was taken) in another state.
  • Applicants who are non-citizens must provide a copy of work authorization or green card.
  • Applicant cannot actively hold independent adjuster license in conjunction with public adjuster, or staff adjuster license.
  • Applicant cannot hold public adjuster license in conjunction with staff or independent adjuster license.
  • Applicant cannot hold staff adjuster license in conjunction with public or independent adjuster license.
  • Exams are required and validated for agent, public adjuster, independent adjuster, staff adjuster, consultant, managing general agent license types.
    NOTE: Kentucky defines an independent adjuster as “an adjuster who is an independent contractor, or employee of a contractor, who investigates and settles property and casualty claims solely on behalf of insurers.”

For Non-Residents :

  • Applicant must be eighteen (18) years old or older as determined from the applicant's date of birth.
  • All adjuster transactions will be deferred to the state for review.
  • Accepts Adjuster Designated Home State (ADHS) electronically.

Adjuster Designated Home State (ADHS) Rules:

  • In order for an applicant to designate a home state during the application process, the applicant must have an active non-resident adjuster license on the Producer Database (PDB) and no active resident adjuster license.
  • If designated home state license is inactive at the time of renewal and no active resident adjuster license exists, applicant may select another state with an active adjuster license as the designated home state. Application will defer to state for review.
  • If applicant holds only a non-resident adjuster license in a state that licenses resident adjusters, applicant is permitted to designate an active non-resident adjuster license as their home state license. Application will defer to state for review.
  • If applicant holds only an active non-resident adjuster license in a state that offers adjuster licensing, applicant must use current resident license to renew non-resident adjuster license. Application will defer to state for review.
  • If applicant has an active non-resident adjuster license in a state that does not license adjusters, and no active non-resident adjuster license, applicant must use current active resident license to renew non-resident adjuster license. Application will defer to state for review.
  • Applicants may hold or apply for only one adjuster license and cannot apply for or actively hold multiple adjuster licenses. Inactive adjuster licenses are okay to hold.
  • Independent adjusters may amend a license by adding one or more lines of authority for independent adjuster class. Staff adjusters may amend a license by adding one or more lines of authority for staff adjuster. Amendments are not allowed for public adjuster.

Reciprocity and Non Residents

Kentucky grants reciprocal licensing privileges to anyone holding a license by examination in another state.

Reciprocity with Texas license

Reciprocal with Texas License? Yes.

Kentucky does not require you to hold a license in your state of residence in order to enjoy the benefits of reciprocity through Texas.

Pre Licensing Education

Bond Requirement

Requires Adjuster Bond.
Type of Adjuster: Public Adjusters, Independent Adjuster
Amount: $1,000
Bond Expiration information: March 31st every two years

How to Apply

Resident and Non-Resident adjusters apply online via NIPR

Maintaining Your License

Renewal

  • This license is a two year license and is renewable bi-annually with a fee of $50.
  • Renewal deadline is the last day of the licensee’s birth-month in even-numbered years if born in an even year, or odd-numbered years if born in an odd year and may be submitted 6 months prior to the deadline.
  • For Non-Residents ,after license expiration, no renewals are allowed. Applicant must reinstate through NIPR's Non-Resident Adjuster License (NRAL) Application.

Continuing Education

All individual resident independent and public adjusters are subject to continuing education. Staff adjusters are excluded.

The continuing education requirement of 24 hours for each continuing education biennium, must be completed the last day of your birth month, odd or even numbered years, depending on the year you were born.

All 24 hours of continuing education may be classroom, correspondence, or a combination of the two. A course may only be credited one time during the biennium. Agents must complete at least 6 hours directly related to one or more of the agent's active lines of authority, and 3 hours must be in ethics course concentration. Independent and public adjusters must complete 24 hours that includes at least 3 hours of ethics. Any individual who is licensed as an agent and an adjuster will complete a total of 24 hours and the course credit applies to both licenses. Note: Life settlement brokers must also complete at least 3 hours in life settlement course concentration

License Termination or Lapse

After license expiration, no renewals are allowed. Applicant must reinstate through NIPR's Non-Resident Adjuster License (NRAL) Application.

Fees       

Application & License Fee$50
Renewal fee$50
Background check (residents only)$15

Contact

Main Office: 215 W. Main
St., Frankfort,
Kentucky 40601

Phone: Main - (800) 595-6053, Licensing Division - (502) 564-6004,

Testing Division - (502) 564-3384,
Fax: (502) 564-6030,
Email: DOI.AgentLicensingMail@ky.gov
http://insurance.ky.gov

Information

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