Insurance License Hub

The Tennessee Public Adjuster license

Public Adjuster

Adjusts a Tennessee loss for the insured. It is the only public adjuster license on this site that asks for errors and omissions cover, at $500,000, and its $50,000 bond is the largest figure recorded here for the role, tied with Illinois, Louisiana and Mississippi.

Course

None

This license has no pre-licensing course route.

Ways in

2

1 of them skips the state exam.

Exam

Varies

Priced per paper. The prices are below.

Most papers are $55 and the public adjuster paper is $50. Two producer papers taken together are $80, three are $125.

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 or a license held in another state.

  1. Route 1 Pass the public adjuster examination

    State exam required

    Financial responsibility

    • A $50,000 surety bond on the Department's own form and proof of an errors and omissions policy of $500,000, both filed with the application

    and an office

    • An office maintained in the applicant's home state of residence, open to the public by reasonable appointment or regular business hours or both

    No course anywhere on TDCI's requirements page, and the examination is Pearson VUE's with a 48-hour wait before the application can be filed. The filing fee is $100, twice the producer's. The office requirement is the NAIC public adjuster model act's rather than a Tennessee invention, and seven other states here carry it: Idaho, Illinois, Kansas, Montana, Nebraska, New Hampshire and North Dakota. What Tennessee adds to the model is the errors and omissions policy, which no other public adjuster license on this site asks for. Twenty-four hours of continuing education including ethics fall due biennially once licensed, which is a renewal obligation rather than a way in.

    Read at the Department on 2026-08-20

  2. Route 2 Hold the license in the home state

    Exempt from the state exam

    • a public adjuster license in the applicant's home state, verified through the National Producer Database or certified by that state

    Tenn. Code Ann. 56-6-908 is the non-resident section TDCI's requirements cite, and its procedure asks for no examination: home state verification through the PDB, or a letter of certification where the PDB cannot answer. The $50,000 bond and the $500,000 errors and omissions policy are still required.

    Read at the Department on 2026-08-17

Courses

You do not have to buy any of this. The Tennessee Department of Commerce and Insurance asks for no pre-licensing course, so nothing below is required of you. It is exam prep, priced here so you can see what it costs.

  • ExamFX

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

    $129.95 to $179.95

    See 2 options ▾

    • Tennessee 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

    • Tennessee 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