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CA Department of Insurance

Public Insurance Adjuster

Licensing Information

Table of Contents

Applicable Forms

  • Application for Individual Application - Public Adjuster and Apprentice License, form CDI-180.
  • Business Entity Application - Public Adjuster, form LIC CDI-181.
  • Bond of Public Insurance Adjuster, form LIC 94A.
  • Application for Branch Office Certificate, form LIC 31A-13.
  • Public Insurance Adjuster Authorization Application, form LIC 0100A.
  • Public Adjuster Sample Contract form.
  • Personal Identification, form LIC 31A-9.

Candidate Information Bulletin 

Authorizing Act: 

Section 15007 of the California Insurance Code (CIC) reads, in part:

A Public Insurance Adjuster is a person who, for compensation, acts on behalf of or aids in any manner, an insured in negotiating for or effecting the settlement of a claim or claims for loss or damage under any policy of insurance covering real or personal property or any person who advertises, solicits business, or holds himself or herself out to the public as an adjuster of those claims and any person who, for compensation, investigates, for those losses on behalf of any public insurance adjuster.


  • Minimum Age: 18 years
  • Residency: California residency is not required.
  • Entity Types: Individual, corporation, partnership, nonprofit corporation, unincorporated association, limited liability company.
  • Prelicensing Education: Must complete 20 hours of public adjuster prelicensing education prior to the issuance of the license.  Or applicants can complete a 20-hour property Prelicensing education course to meet this requirement.  Please use the approved education courses list and complete the drop down menus to retrieve a list of approved 20 hour prelicensing courses.
  • Prelicensing Experience: Must have two years certified experience in the insurance adjusting field. 2,000 hours of compensated time in the adjusting field is equal to one year of experience.  Applicants who were licensed as an Apprentice Public Adjuster for 12 months can satisfy the two-year experience requirement.
  • Continuing Education: Section 15059.1 of the CIC was amended to establish a CE requirement of 24 hours including 3 hours of ethics during the two-year license term for California resident public insurance adjusters.  The CDI maintains an approved education courses list.
  • Examination: Resident applicants must pass the qualifying license examination prepared and administered by the Department.

Filing Requirements:


  • Individual License - Individual Application - Public Adjuster and Apprentice License, form CDI-180.
  • Business Entity License - Business Entity Application - Public Adjuster, form LIC CDI-181
  • Bond: A Bond of Public Insurance Adjuster, form LIC 94A in the penal sum of $20,000, by a California admitted surety. If the applicant is a business entity, the business entity must be named as principal.
  • Branch Office Certificate: If the applicant intends to conduct business from any location in California other than the principal place of business, a Branch Office Certificate must be obtained by submitting an Application for Branch Office Certificate, form LIC 31A-13, with fee.
  • Public Insurance Adjuster Authorization Application: Form LIC 0100A, must be submitted for each person who is employed by a licensed public adjuster. All persons acting as a public insurance adjuster must be licensed as such.
  • Contract: Pursuant to Section 15027 of the California Insurance Code(CIC), no licensee shall, directly or indirectly, act within this state as a public insurance adjuster without having first entered into a contract, in writing, on a form approved by the insurance commissioner and executed in duplicate by the public adjuster and the insured or a duly authorized representative. One original contract shall be kept on file by the licensee, available at all times for inspection, without notice, by the commissioner or his or her duly authorized representative, and one original contract shall be given to the insured.

The California Department of Insurance (CDI) has provided a sample contract form for Public Insurance Adjusters to utilize.  Please submit a new or revised business contract to the following address:  California Department of Insurance, Attention:  Adjuster Unit; 320 Capitol Mall, Sacramento, CA 95814. This sample contract form would satisfy the requirements of Section 15027 of the CIC but the applicant or licensee is not required to use the sample contract form. However, all contract forms must meet the requirements of CIC Section 15027 and must be approved by the CDI's legal division prior to use. Using this sample contract may expedite the approval process.

Note: Pursuant to Section 15027(v) of the CIC prior to the signing of the contract, the licensee shall provide the insured with a separate printed disclosure document that bears the name and license number of the licensee. 

  • Fingerprint Impressions: Fingerprint impressions are required for unlicensed applicants. If an examination is required, fingerprint impressions may be taken at the California examination sites.
  • Additional Documents: The Insurance Commissioner may require such other documents as will aid in determining whether the applicant meets the qualifications for a license.

Fees (Resident and Non-Resident):

  • Original License Fee - two year fee: $240
  • Examination Fee: $62. This fee will be charged when the first examination is scheduled using PSI examination scheduling service. Do not include the examination fee when you submit your adjuster application.
  • Branch Office Certificate: $35
  • Fingerprint Processing: Review Fingerprint processing link for fees.  

Study Material: 

The Public Insurance Adjuster Educational Objectives were developed as a study guide to assist in the preparation for the examination.

License Term:

Public Adjuster licenses are issued for two year terms. Specifically, the term of the license begins the date the license is issued and ends the last day of that same calendar month two years later.


CDI emails licensees a renewal notification to their email address on record. The email notification includes the license number, license term, license type, and information regarding any continuing education requirements. You can update your e-mail address using CDI's Online Address Change service.

Individuals and business entities who do not receive the email notification must still renew their license online by following the prompts on CDI's Online Renewal Service at the following website link: Online Renewal Service  

CDI's online renewal service is available to insurance agents, brokers, and adjusters who want to renew their licenses after the license expiration date has passed. Additionally, the online renewal service is available to insurance agents, brokers, and adjusters who previously used the online renewal service as an on-time renewal but were not able to renew their license because not all of the requirements to renew were met prior to the license expiration date. The online renewal service allows public insurance adjusters, once their requirements have been met, to complete the renewal of their license by paying the $62 late penalty fee.

The online renewal service for late renewals is not available to bail agents, who by law must reapply as a new applicant if their license is not renewed prior to the expiration date.

Any Public Insurance Adjusters that renew their licenses late will be required to pay a $62 penalty fee. "Late" is defined as any renewal for which the requirements to renew (for CA residents this includes completing the ethics and continuing education hours) are not met until after the expiration date of the previous license term. Use this link Late Renewal to find out how to late renew your license.

Additional Information:

  • Federal law (Title 18 United States Code Section 1033) prohibits anyone who has been convicted of a felony involving dishonesty or a breach of trust from conducting the business of insurance unless they have obtained the written consent of the Insurance Commissioner. It is a violation of this statute to conduct business of insurance without the Commissioners written consent. If you have been convicted of a felony involving dishonesty or a breach of trust then you must attach a copy of this consent. If you have not obtained this written consent you must do so by filing a 1033 Short Form Application for Written Consent prior to filing your application.
  • A Pocket Identification Card will be issued to the licensee.
  • An authorization application, form LIC 0100A, with fee must be filed for all persons employed by the applicant to settle claims. An authorization application must also be filed when such person ceases to be employed in that capacity.
  • A branch office must be a bona fide place of business. A change in the person in charge of the branch office or a change of address for the branch office must be reported to the Department within 30 days of such change.
  • In the case of an organization, any change in the officers, partners, and stockholders owning 10% or more of the corporate stock, directors, or controlling persons must immediately be reported to the Department giving full names, residence address and social security number.
  • To obtain insurance licensing forms by mail, send an e-mail request to: Producer Licensing Bureau.
  • To obtain Adjuster licensing information, you may phone the Producer Licensing Bureau's Adjuster unit at (916) 492-3085.
  • Payment of fees by postal mail: California Department of Insurance, P.O. Box 1139, Sacramento, CA 95812-1139.
  • All filing fees are not refundable, whether or not the application is acted upon or an examination taken.

LIC 670B (Rev. 06/2017)

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