Adjuster, Individual/TBA – Independent or Public

An Independent Adjuster is any  person,  firm, association or corporation who acts in this state on behalf of an insurer when investigating and adjusting claims arising under insurance contracts issued by the insurer.

A Public Adjuster is any person, firm, association or corporation who acts on behalf of an insured in negotiating for the settlement of a claim or claims for loss or damage to property of the insured.

Temporary Independent Adjuster Permit (for Catastrophes)

To facilitate the settlement of claims resulting from a  catastrophe or an emergency, an individual who is not licensed as an independent adjuster in New York, but otherwise is qualified to adjust claims, can obtain a Temporary Adjuster permit if sponsored by a New York authorized insurance company.

Prelicensing Requirements

To qualify for a license, the licensing candidate must meet the following prelicensing requirements:

  • A public adjuster candidate must complete a Department approved prelicensing education course totaling not less than 40 hours of instruction. Visit the Prelicensing Provider/Course List on the portal for provider contact information. 
  • the applicant must pass, within 2 years of applying for the license, the licensing exam administered by PSI Services. Visit the Exam Vendor Information page for registration and scheduling instructions. 

Exceptions from Prelicensing Requirements:

A candidate for the public adjuster license may wave the education requirement if he/she was regularly employed in the insurance industry for no less than one year in duties involving sales, underwriting or claims. The candidate must submit a signed and completed Statement of Employer with their license application.


All adjuster applicants must submit fingerprints. All New York resident applicants must be electronically fingerprinted at IdentoGo. Non-resident applicants must submit a completed fingerprint card and fingerprint fees to the Department. Follow the instructions found in the general Fingerprinting for DFS section. Additional instructions can be found on the Agent/Broker Fingerprinting Procedures page.


A bond in the amount of $1000 to cover the licensing period (from date issued to expiration date) must be submitted with the application.  Download instructions and a sample bond here.

Certificates of Character

The applicant must submit five (5) Certificates of Character from members of the community, in which he/she resides or transacts business, certifying, under penalty of perjury,  that they have personally known the applicant for at least five years, that he/she is honest, competent and of good character and that they are not related, by blood or marriage, to the applicant.

Application Requirements

Match the submission code numbers listed under the Resident or Non-Resident columns with the corresponding numbers on the Submission Requirements Chart to determine what must be submitted with the license application. 

Any required documentation must be uploaded on the license application.

Fees and Renewal Period

Licenses are issued for up to 2 years.  A non-refundable fee of $100 is charged when a license is issued for a licensing period of more than one year. A non-refundable fee of $50 is charged when a license is issued for a period of one year or less

All adjuster licenses expire on 12/31 of even years.  After the initial licensing period, all licenses will be issued effective 01/01 of odd years to 12/31 of even years.

Payment Options

You may pay the licensing fees by credit card, electronic funds transfer (e-check) or paper check.  If electing to pay by paper check, your application will remain pending until the Department receives and processes the check.

There is a $20 fee for any e-check or paper check returned by the bank for insufficient funds.

Apply Online

To access the individual/tba adjuster application, visit the DFS Portal:

Check Status/Print License

The Department no longer mails paper licenses. Print the license as soon as it is issued.

Browsers and Blockers:

  • Use a supported browser: The latest version plus one previous of IE, FF, Chrome and Safari, are supported.
  • Disable “Pop-up Blockers” in your browser before using DFS portal applications.
  • Maintenance: Application may be unavailable from 7:30am to 7:45am daily for scheduled maintenance.

Apply by paper application

You must email [email protected] to obtain a paper application and instructions.