NEW JERSEY Resident Licensing for Individuals

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State Announcements

There are no announcements for New Jersey at this time

Primary Rules (Individual)

Response

Question

Yes

Accepts initial license for individuals electronically.

Yes

Accepts surplus lines for individuals.

Yes

Applicant can add lines of authority (amend) to an existing active license.

Yes

Applicant can reinstate through NIPR's Resident License Application.

Yes

License printing available electronically.

Yes

Applicant must currently hold or be applying for life if they are applying for variable.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Individual)

Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

An affiliation is not required and the applicant may skip the "Affiliations" page on the uniform application.

Applicant must not have another active resident state on the Producer Database.

Applicants must not have an inactive resident license in the state with an expiration date in the future.

Applicant must not have an active non-resident license in New Jersey.

Applicants must provide residence or business address in New Jersey. Residence address cannot be P.O. Box.

New Jersey will allow reinstatement of a license through NIPR's Resident License Application if submitted one (1) year after expiration date. If within one year, applicant must late renew using NIPR's Resident Renewal Application.

Variable Life and Variable Annuity line of authority applicants must supply a FINRA Central Registry Depository (CRD) number on the application.  If you need to verify your CRD number you may use the Broker Search feature found on FINRA's website

Surplus Lines applicants must currently hold or be applying for Property or Casualty lines of authority.

Applicants cannot apply for a license amendment to an active license with an expiration date in the past. Applicant cannot amend ac active license after there expiration date. The applicant must late renew or reinstate license prior to submitting an amendment.

Letter of clearance is not required when changing your resident state if your resident state license status is available on the Producer Database.

Applicants are required to complete required pre-licensing education and successfully pass the New Jersey Producer Licensing exam.  If you successfully pass the state licensing exam, your test results are automatically electronically submitted to the online system. You are not required to complete pre-licensing education or exam if specifically stated in the State Offerings section below.

Applicants applying for all exam required lines of authorities and officer, director or owner of ten percent (10%) or more of a business entity seeking licensure must schedule and have their fingerprint impressions taken through the State's Live Scan electronic fingerprint process before applying online. Application cannot be processed until the results of Live Scan are received. Scheduling information for Live Scan and appropriate forms can be found at the Department's state website.

Public Adjuster applicants will be deferred to the state for further review. The New Jersey Public Adjusters' Licensing Act requires each licensee to maintain a $10,000 dollar bond from a surety insurer authorized in New Jersey. Proof of bond is required before license will be issued. The law also requires two (2) passport photos. Please provide proof of compliance for bond requirement and two (2) pass port photos to the state.

Applicants must answer, "Are you a disabled veteran?" If answer is yes, applicant must send proof to the state of Disabled Veteran status such as a recent letter from the Veteran's Administration.

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. All other required documentation must be forwarded directly to the state.

State Offerings (Individual)

Please note that license class names can vary by state.

Resident Disabled Veterans are exempt from fee below.

License Class

Line of Authority (LOA)

Passing Exam Required before Application

Insurance Producer

Life

Yes

Insurance Producer

Accident & Health or Sickness

Yes

Insurance Producer

Property

Yes

Insurance Producer

Casualty

Yes

Insurance Producer

Variable Life and Variable Annuity

No

Insurance Producer

Personal Lines

Yes

Insurance Producer

Title

Yes

Insurance Producer

Surplus Lines

Yes

Insurance Producer

Car Rental

No

Insurance Producer

Credit

No

Insurance Producer

Pet

No

Insurance Producer

Travel

No

Insurance Producer

Legal

No

Insurance Producer

Self-Storage Personal Property

No

Insurance Producer

Bail Bond

Yes

Insurance Producer

Group Mortgage Cancellation

No

Public Adjuster

None

Yes

License Fees (Individual)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class

Line of Authority

License Fee *

Insurance Producer

Life, Accident & Health or Sickness, Variable Life and Variable Annuity, Property, Casualty, Personal Lines, Surplus Lines, Title

$170.00 ($150 License Fee + $20 Processing fee)

Insurance Producer

Car Rental, Credit, Travel, Pet, Legal, Self -Service Personal Property, Bail Bond, Group Mortgage Cancellation

$95.00 ($75 License Fee + $20 Processing Fee)

Public Adjuster / None

None

$70.00 ($50 License Fee + $20 Processing Fee)

* Per application

Note: Reinstatement fee is the same as the total initial license fee.

Additional fees:
LOA addition fee - $20.00 per application (Limited Lines with Major Lines addition is $75.00)

Contacts

Last Update: 3/28/2019

NEW JERSEY Resident Licensing for Business Entities

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State Announcements

There are no announcements for New Jersey at this time

Primary Rules (Business Entity)

Response

Question

Yes

Accepts initial license for business entities electronically.

Yes

Accepts surplus lines for business entities.

Yes

Applicant can add lines of authority (amend) to an existing active license.

Yes

Applicant can reinstate through NIPR's Resident License Application.

Yes

License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Business Entity)

Business entities must supply a New Jersey business address as their principal place of business. Business address cannot be P.O. Box.

Business entities must not have an active non-resident license in New Jersey.

New Jersey will allow reinstatement of a license through NIPR's Resident License Application if submitted one (1) year after expiration date. If within one year, applicant must late renew using NIPR's Resident Renewal Application.

At least one designated responsible producer must be provided and have an active resident or non-resident license in New Jersey. Exception: Portable Electronics Insurance licenses do not require a designated responsible producer.

Designated responsible licensed producers (DRLP) must cumulatively cover all requested lines of authority. Exceptions: Portable Electronics Insurance licenses do not require a designated responsible licensed producer. Public adjuster only requires a DRLP to hold an active license in New Jersey.

Business entities cannot apply for a license amendment to an active license with an expiration date in the past.

Business entities must not have an inactive resident license in the state with an expiration date in the future.

Business entity applicants must submit a copy of the certificate of incorporation or partnership stamped "Filed" by the County Clerk, Department of Treasury or other recording Authority as well as, when applicable, the letter from the Department confirming approval of the name must be faxed to the Department. Recording by the County Clerk or others does not guarantee acceptance by the Department.

Names that do not comply with N.J.A.C. 11:17- 2.7 will be disapproved.

All applications for the Public Adjuster license class will be deferred to the state for further review. The New Jersey Public Adjusters' Licensing Act requires each licensee to maintain a $10,000 dollar bond from a surety insurer authorized in New Jersey. Proof of bond is required before license will be issued. The law also requires two (2) passport photos. Please provide proof of compliance for bond requirement and two (2) pass port photos to the state.

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. All other required documentation must be forwarded directly to the state.

State Offerings (Business Entity)

License Class

Line of Authority (LOA)

DRLP Required

Insurance Producer

Life

Yes

Insurance Producer

Accident & Health or Sickness

Yes

Insurance Producer

Property

Yes

Insurance Producer

Casualty

Yes

Insurance Producer

Variable Life and Variable Annuity

Yes

Insurance Producer

Personal Lines

Yes

Insurance Producer

Title

Yes

Insurance Producer

Surplus Lines

Yes

Insurance Producer

Credit

Yes

Insurance Producer

Car Rental

Yes

Insurance Producer

Pet

Yes

Insurance Producer

Travel

Yes

Insurance Producer

Legal

Yes

Insurance Producer

Self-Storage Personal Property

Yes

Insurance Producer

Bail Bond

Yes

Insurance Producer

Group Mortgage Cancellation

Yes

Public Adjuster

None

Yes

Portable Electronics Insurance

None

No

License Fees (Business Entity)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class

Line of Authority

License Fee *

Insurance Producer

Life, Accident & Health or Sickness, Variable Life and Variable Annuity, Property, Casualty, Personal Lines, Surplus Lines, Title

$170.00 ($150 License Fee + $20 Processing Fee)

Insurance Producer

Car Rental, Credit, Travel, Pet, Legal, Self -Service Personal Property, Bail Bond, Group Mortgage Cancellation

$95.00 ($75 License Fee + $20 Processing Fee)

Public Adjuster / None

None

$70.00 ($50 License Fee + $20 Processing Fee)

Portable Electronics Insurance / None

None

$120.00 ($100 License Fee + $20 Processing Fee)

* Per application

Additional fees:
Amendment fee - $20.00 per application (Limited Lines with Major Lines addition is $75.00)

Contacts

Last Update: 3/28/2019

APPLY HERE