The Minnesota Public Adjuster license

Minn. Stat. 72B.041, subd. 1(a) is five findings and none of them is education: eighteen or older, eligible to designate Minnesota as a home state, trustworthy and reliable and of good reputation, no ground for refusal under 72B.08, the examination passed for the lines applied for, and the fees. Minnesota puts no hours and no experience bar on an adjuster at all, which separates it from Washington, Hawaii and Idaho, where the qualifying sentence asks for experience or special education or training of sufficient duration to make the applicant competent. The fee is $50 to issue and $50 to renew under subdivision 9. A public adjuster carries two things an independent adjuster does not: the $10,000 bond at subdivision 3, which the application must evidence, and the conduct code at 72B.135. That section gives the insured 72 hours to cancel the contract, requires the cancellation notice to be attached to the contract and detachable, and bars eleven practices outright, among them holding an interest in a construction, salvage or appraisal firm, contacting a prospective client between 8pm and 8am, and representing an insurer and an insured at the same time. Minn. Stat. 72B.041, subd. 3 puts the bond on this route and on every other one: "No initial or renewal public adjuster's license shall be issued to any applicant unless there is on file with the commissioner a good and sufficient surety bond."The surety may cancel it on 30 days' written notice and the license is automatically suspended until a new bond is filed.

Read at revisor.mn.gov on 2026-08-19

Minn. Stat. 72B.041, subd. 5(a). The exemption is only from the prelicensing examination and it is conditioned twice: the other state's license must itself have been granted on an adjuster examination, and the certification must be of a license carrying the same line of authority applied for here. A separate section, 72B.05, is the nonresident license rather than this, and it carries a condition worth reading: a Minnesota nonresident adjuster license terminates and must be surrendered the moment the home state license does. Minn. Stat. 72B.041, subd. 3 puts the bond on this route and on every other one: "No initial or renewal public adjuster's license shall be issued to any applicant unless there is on file with the commissioner a good and sufficient surety bond."The surety may cancel it on 30 days' written notice and the license is automatically suspended until a new bond is filed.

Read at revisor.mn.gov on 2026-08-19

Minn. Stat. 72B.041, subd. 5(b) makes the ninety days a duty rather than a window: a person licensed as an adjuster elsewhere on an examination who establishes legal residence here "must make application within 90 days to become a resident adjuster licensee", and the examination is waived when they do. Minn. Stat. 72B.041, subd. 3 puts the bond on this route and on every other one: "No initial or renewal public adjuster's license shall be issued to any applicant unless there is on file with the commissioner a good and sufficient surety bond."The surety may cancel it on 30 days' written notice and the license is automatically suspended until a new bond is filed.

Read at revisor.mn.gov on 2026-08-19

Minn. Stat. 72B.041, subd. 5(d) reaches the crop line of authority only, and it accepts either of two federal things: the National Crop Insurance Services Crop Adjuster Proficiency Program, or the loss adjustment training curriculum and competency testing the Federal Crop Insurance Corporation Standard Reinsurance Agreement requires. This is the fifth state in five days to meet that program and the fifth description of it. Washington called it pre-licensing education in its own words, Hawaii called it a card, Wyoming said it bypasses the exam, Maine accepted it without naming it, and Minnesota is the only one of the five to name the Standard Reinsurance Agreement alternative alongside it. Minnesota calls it neither a course nor a card, so no course requirement is recorded for it here. Minn. Stat. 72B.041, subd. 3 puts the bond on this route and on every other one: "No initial or renewal public adjuster's license shall be issued to any applicant unless there is on file with the commissioner a good and sufficient surety bond."The surety may cancel it on 30 days' written notice and the license is automatically suspended until a new bond is filed.

Read at revisor.mn.gov on 2026-08-19