The Rhode Island Company Adjuster license

R.I. Gen. Laws 27-10-3(a) is a closed list of six findings the Department must make before it approves the application, and no course is in it: at least eighteen years old; eligible to designate Rhode Island as a home state; trustworthy, reliable and of good reputation; no act that is a ground for refusal under 27-10-12; the examination passed for the lines of authority applied for; and $250 paid. Insurance Bulletin 2023-2 says the rest in one sentence: "Pre-licensing education is not required but is recommended."The paper is Pearson VUE's, and the Department asks an applicant to wait three to five business days after passing before applying at NIPR, because the application looks the score up automatically and it takes that long to appear. A statewide criminal background check from the Rhode Island Attorney General is required and may not be more than thirty days old. 27-10-5(b) gives this license three lines of authority, property and casualty, workers compensation and crop, and Pearson publishes a paper for the first two. Crop takes none: 27-10-6(e) lets the Department accept an examination administered by a federal entity in place of the state one for the crop line, and the Department's own list annotates crop with "no exam required". The company adjuster and the independent adjuster take the same paper, the same fee and the same closed list of qualifications; 27-10-1.1(c) and (f) separate them by one fact, whether the adjuster contracts as an employee or as an independent contractor. Insurance Bulletin 2023-2 adds the practical consequence for a non-resident: where the adjuster’s own state issues a resident independent adjuster license and does not stop a company adjuster from holding it, Rhode Island expects that license before it issues a non-resident one. One provision on this license is older than every other route on this site and still live: 27-10-4, enacted in 1956 and never amended, requires the commissioner to issue an insurance claim adjuster license other than for life and accident and health "without the payment of a fee" to any honorably discharged soldier, sailor or marine who served the United States in time of war and produces the discharge certificate. It waives the $250. It says nothing about the examination, and 27-10-3 still governs what the Department must find, so this site records it as a fee waiver and not as a way round the paper.

Read at webserver.rilegislature.gov on 2026-08-18

27-10-6(f), added by P.L. 2022 ch. 119 and ch. 120 with effect from 2023-01-01, and it is Arizona's waiver arriving in a second state with one word changed. Arizona's 20-321.01(C)(3) says the requirement "are waived"; Rhode Island says the Department "may also accept" the certificate in lieu of the written examination, which makes it a discretion rather than an entitlement. The statute writes two tests into the program itself, a proctored examination long enough and rigorous enough to determine competence, and any other requirement the Department sets. It fixes no hour count, where Arizona's fixes forty. Rhode Island publishes no list of the claims associations whose programs it has approved, so this site names no company here. The parallel provision for non-residents is 27-10-7.1(d), and it lets the certificate stand in for the resident license the reciprocity route otherwise needs.

Read at webserver.rilegislature.gov on 2026-08-18

27-10-7(a), and the qualifier that matters is "based on an adjuster examination": a license another state issued without examining anybody does not open this route. 27-10-7.1 is the separate non-resident license, which asks for a current resident license in the applicant's home state, the fee, the application for the equivalent type and lines, and reciprocity in the other direction, and 27-10-7.1(c) then ties the two together, so the Rhode Island license terminates the moment the home state license does. The Department adds two limits its statute does not. California, Hawaii and New York are not reciprocal states and Rhode Island will not accept an application naming one of them as the designated home state. Arizona, Iowa, Oregon, South Carolina and Vermont grant nobody designated home state status, so Rhode Island will not accept an application naming one of those either.

Read at webserver.rilegislature.gov on 2026-08-18

27-10-7(b). It is written as a duty rather than an option, "shall make application within ninety (90) days", and no examination is required of that person. It is the adjuster twin of the producer route at 27-2.4-11(b) and it is shorter, because the producer version keeps something back and this one does not: a producer moving here still has to certify knowledge of Rhode Island law, and an adjuster does not.

Read at webserver.rilegislature.gov on 2026-08-18