The Alabama Independent Adjuster license

27-9A-7(a) issues one license carrying one or more of three lines of authority, property and casualty, workers' compensation, and crop, and 27-9A-6(a)(4) then examines each of them separately: the commissioner must find the applicant "has successfully passed the examination for the line of authority for which the individual has applied". That is Maine's arrangement inside Oregon's, one license with a paper for every line on it. The rest of 27-9A-6(a) is short and has no course in it: at least 18, eligible to designate Alabama as a home state, no ground for refusal under 27-9A-12, the examination, the fees. 27-9A-6(c) closes the designated home state route to anybody who has not passed the Alabama paper. The Department adds the practice: it publishes a list of seventeen states that do not license independent adjusters at all, and warns residents of California, Hawaii and New York that they must sit the Alabama paper for a nonresident license because their own states require the same of Alabama residents under NAIC reciprocity. 27-9A-3(b) is thirteen exclusions and the ones worth knowing are (2) a salaried employee of an insurer, (11) anybody investigating life, accident and health, annuity or disability claims, and (13) a licensed producer to whom the insurer has granted claim authority.

Read at alison.legislature.state.al.us on 2026-08-19

The Department's own page carries the qualification that matters and it is unusually specific: residents of California, Hawaii and New York applying for an Alabama nonresident independent adjuster license must take and pass the Alabama examination, effective 8 September 2014, "based upon their respective states requiring our residents to take an exam under NAIC Reciprocity". Reciprocity here is measured against what the other state does to Alabamians rather than against the other state's own standards, which is the mirror-image test and the only one of its kind on this site.

Read at the Department on 2026-08-19