Applicant must pass the required state exam for the selected lines for new license or amended license.
Applicant is exempt from license exam if the Inactive status of previous resident license is within 90 days from date of the Rhode Island RL application or if the resident RI license and requested LOA they are applying for is inactive within the past year.
Claims Adjuster license is being transitioned to specific license types: Company Adjuster, Independent Adjuster, and Public Adjuster.
Claims Adjuster applicants (active or inactive) must reinstate through Resident Licensing (RL) to obtain one of the new license classes upon renewal.
The following applicants must provide a certified background (BCI) check from the Attorney General's office: Company Adjuster, Public Adjuster, Independent Adjuster, Insurance Producers, Title, Motor Vehicle Damage Appraiser, Surplus Line Broker.
If applicant holds an active Claims Adjuster license on PDB, an exam is not required to apply for one of the new Public, Independent and Company Adjuster license classes.
Public, Independent, and Company Adjuster licenses cannot be held together.
Emergency Adjusters and Emergency Motor Vehicle Damage Appraisers are not a renewable license class. The day after expiration date, applicant is eligible to apply for a new license via RL.
Emergency Adjuster and Emergency Motor Vehicle Damage Appraisers licenses cannot be held simultaneously with Public, Independent, or Company Adjuster licenses in Rhode Island.
Applicants that currently hold a Public Adjuster license cannot apply for or hold an Emergency Adjuster or Emergency Motor Vehicle Damage Appraisers license in Rhode Island.
Surplus Line Broker applicants must hold a Property & Casualty Insurance Producer license. They must also obtain a bond in the amount of $25,000 and email bond certificate to the Rhode Island Department of Business Regulation.
Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.
Non-citizens of the U.S. must e-mail proof of eligibility to work in the U.S to the Rhode Island Department of Business Regulation.
Electronic applications will only be issued for a two (2) year license term.
Applicants must not have an active non-resident license in Rhode Island.
Applicant must provide a valid business email address.
Rhode Island will allow reinstatements of a license if:
- Status is not active with an expired status reason.
- Expiration date is greater than thirty (30) days and less than three hundred and sixty-five (365) days.
- Reinstatement must be processed through Resident License Renewal (RLR) Application.
Applicants for the variable line of authority (LOA) must supply FINRA CRD number on application.
Applicants for motor vehicle damage appraiser licensing must take and pass the Rhode Island Appraiser exam. Visit the state website for information regarding PearsonVue testing services.
Applicants for the Reinsurance license classes are required to hold both an active Insurance Producer and reciprocating Reinsurance license in applicant's resident state prior to applying. All applications will defer to the state for review.
Applicants that apply for reinsurance intermediary broker and reinsurance intermediary manager must select both single lines of casualty and property, or both single lines of life and accident and health or sickness.
All resident insurance producers that are selling, soliciting or negotiating insurance are required to carry and maintain E&O insurance, pursuant to Rhode Island Gen Laws § 27-2.4-23.
Rhode Island only allows amendments to a license if license is active and not expired.
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.
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.