Claim Adjuster applicants (active or inactive) will not be able to renew their license through the Resident Licensing Renewal (RLR) application. They will be required to apply through the Resident Licensing (RL) application. The applicant must select one of the following adjuster license classes: Company Adjuster, Public Adjuster, or Independent Adjuster.
Public, Independent, and Company Adjuster licenses cannot be held simultaneously.
RI licenses in Inactive status and expiration date greater than one year must apply for reissue.
Applicant cannot apply earlier than 60 days prior to license expiration date.
Renewal is determined by the expiration date of the license id. Late renewal applies after expiration date.
Rhode Island will allow reinstatements of a license if status is inactive and the expiration date is greater than thirty (30) days and less than one year. Late fees will be assessed.
Applicant must hold an active renewable license in Rhode Island.
Applicants must have an active producer license in their own resident state.
At least one (1) Designated Responsible Licensed Producer (DRLP) must be provided on the application and have an active resident or non-resident license in Rhode Island.
DRLP not required for Third Party Administrator Certificate of Authority, Third Party Administrator Registered or Third Party Administrator Waiver Certificate license classes.
The DRLPs provided are not required to cumulatively cover the lines of authority (LOAs) on the application.
The following license classes expire annually on the last day of February: Third Party Administrator Certificate of Authority, Third Party Administrator Registered and Third Party Administrator Waiver Certificate licenses expired annually on the last day of February.
All renewal applications for Third Party Administrator Certificate of Authority, Third Party Administrator Registered and Third Party Administrator Waiver Certificate licenses must provide annual report form and annual filing fee to Rhode Island Department of Business Regulation, Insurance Division.
Surplus Line Broker renewals will not be approved until the Insurance Division receives clearance from the taxation division that all taxes have been filed. The Rhode Island Taxation Division will provide confirmation to the Insurance Division. For questions on tax filings, or to check if your tax filings are cleared, contact the RI Taxation Division at 401-574-8935.
Applicants can reinstate through the resident licensing renewal (RLR) application if the expiration date is thirty (30) days to one year past expiration.
License is eligible for renewal starting 60 days prior to expiration date on PDB.
Applicant is allowed a grace period of 30 days after the expiration date to renew the license with no additional fees.
Partial renewals are not allowed. Electronic renewals must be renewed for all active lines held.
If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.
Please check Announcements for any last minute notifications about the states to which you are applying.
Definitions of Adjusters:
- Company Adjuster - An insurance adjuster who is an employee of an insurance company.
- Independent Adjuster - An insurance adjuster who is hired on a contract basis by an insurance company to represent the insurance company's interest in the settlement of the claim.
- Public Adjuster - Any person who, for compensation or any other thing of value on behalf of the insured:
- Acts or aids, solely in relation to first party claims arising under insurance contracts, other than automobile, life, accident & health, that insure the real or personal property of the insured, on behalf of an insured in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract;
- Advertises for employment as an public adjuster of insurance claims or solicits business or represents himself or herself to the public as an public adjuster of first party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or
- Directly or indirectly solicits business, investigates or adjusts losses, or advises an insured about first party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy, for the insured.