Insurance License Hub

The Nebraska Public Adjuster license

Public Adjuster

The only adjuster license Nebraska issues, and it is the policyholder's: 44-9202 defines it around first party claims for loss or damage to an insured's own property. Nebraska licenses no company or independent adjuster at all, and the applicant has to keep an office the public can walk into.

Course

None

This license has no pre-licensing course route.

Ways in

4

3 of them skip the state exam.

Exam

$43

Required on some routes and not others.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, moving here already licensed, a license already held or a license held in another state.

  1. Route 1 Pass the public adjuster examination

    State exam required

    The examination

    • PSI's Public Adjuster paper, exam series 13-10, 100 items at $43 with a cut score of 70 percent or 70 correct. 44-9208(1) has it test "the duties and responsibilities of a public adjuster and the insurance laws and regulations of this state", and Nebraska sets no limit on retakes and no waiting period between them.

    and financial responsibility

    • A surety bond of at least $20,000, issued by an insurer authorized to write surety in Nebraska, which cannot be terminated without 30 days' written notice filed with the director. 44-9212(3) terminates the authority to act as a public adjuster automatically the moment the bond lapses or becomes impaired.

    and an office the public can reach

    • An office maintained in Nebraska "with public access to such office by reasonable appointment or regular business hours". It is asked of a resident and not of a nonresident, whose home state office answers instead.

    Neb. Rev. Stat. 44-9205 is the whole qualification and it is eight findings the director has to make: eighteen years of age, a principal place of residence or of business in Nebraska, no act that is a ground for denial under 44-9211, the fee paid, the examination passed unless exempt under 44-9209, trustworthy and reliable and of good reputation, the financial responsibility of 44-9212, and the office. No course is anywhere in it, and the Department's own list of requirements on its producer licensing page prints the same nine bullets without one. The statute caps the resident fee at $100 and the Department's fee schedule charges $50.

    Read at nebraskalegislature.gov on 2026-08-20

  2. Route 2 Move to Nebraska on another state's public adjuster examination

    Exempt from the state exam

    The other state's license

    • 90 days Previously licensed as a public adjuster in another state on the strength of a public adjuster examination, applying for a Nebraska resident license within 90 days of establishing legal residence, and either currently licensed there or applying within twelve months of that license being cancelled, with the other state certifying good standing.

    and financial responsibility

    • A surety bond of at least $20,000, issued by an insurer authorized to write surety in Nebraska, which cannot be terminated without 30 days' written notice filed with the director. 44-9212(3) terminates the authority to act as a public adjuster automatically the moment the bond lapses or becomes impaired.

    and an office the public can reach

    • An office maintained in Nebraska "with public access to such office by reasonable appointment or regular business hours". It is asked of a resident and not of a nonresident, whose home state office answers instead.

    Neb. Rev. Stat. 44-9209(1). Two clocks run at once and both have to be met: ninety days from establishing legal residence in Nebraska, and twelve months from the cancellation of the previous license. The exemption is from the examination only. The bond and the office are asked on every route.

    Read at nebraskalegislature.gov on 2026-08-20

  3. Route 3 Have held the Nebraska license within the last twelve months

    Exempt from the state exam

    The earlier Nebraska license

    • a Nebraska resident or nonresident public adjuster license, terminated within the last twelve months and in good standing at termination

    and financial responsibility

    • A surety bond of at least $20,000, issued by an insurer authorized to write surety in Nebraska, which cannot be terminated without 30 days' written notice filed with the director. 44-9212(3) terminates the authority to act as a public adjuster automatically the moment the bond lapses or becomes impaired.

    and an office the public can reach

    • An office maintained in Nebraska "with public access to such office by reasonable appointment or regular business hours". It is asked of a resident and not of a nonresident, whose home state office answers instead.

    Neb. Rev. Stat. 44-9209(2). Somebody who held either the resident or the nonresident Nebraska license is excused the paper if the application arrives within twelve months of termination and they were in good standing at it. 44-9210(1)(c) is the neighboring route for a license that merely lapsed rather than terminated: reinstatement within twelve months of the expiry date, again with no examination, on a reinstatement fee the statute caps at $125 on top of the renewal fee.

    Read at nebraskalegislature.gov on 2026-08-20

  4. Route 4 Hold a home state license in a state that returns the favor

    Exempt from the state exam

    The home state license

    • a resident public adjuster license, current and in good standing in the applicant's home state, where that state awards nonresident public adjuster licenses to Nebraska residents on the same basis

    and financial responsibility

    • A surety bond of at least $20,000, issued by an insurer authorized to write surety in Nebraska, which cannot be terminated without 30 days' written notice filed with the director. 44-9212(3) terminates the authority to act as a public adjuster automatically the moment the bond lapses or becomes impaired.

    Neb. Rev. Stat. 44-9206. The Department's page reduces this to one sentence, that a nonresident applicant "shall be licensed as a public adjuster in their home state and shall pay the $50 application fee", and the statute adds the reciprocity condition and three continuing ones: the home state license has to stay in good standing, the Nebraska license terminates and is surrendered immediately if the home state license ends for any reason unless a new home state with reciprocity has licensed the adjuster, and a change of home state is notified within thirty days with both addresses. The bond is asked of a nonresident too, under 44-9212(1).

    Read at nebraskalegislature.gov on 2026-08-20

Courses

You do not have to buy any of this. The Nebraska Department of Insurance asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.

  • ExamFX

    Exam practice. No course is required, so this is what to study.

    $129.95 to $179.95

    See 2 options ▾

    • Nebraska Adjuster Basics - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $129.95

    • Nebraska Adjuster Basics - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $179.95

    Go to ExamFX

  • Mometrix

    Exam practice. No course is required, so this is what to study.

    $59.99/month

    See 1 option ▾

    • Insurance Claims Adjuster Course

      $59.99/month

    Go to Mometrix