PUERTO RICO Non-Resident Licensing for Individuals

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State Announcements

There are no announcements for Puerto Rico at this time.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Non-Resident License (NRL) Application.
Yes License printing available electronically.

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.

Applicants that answer “No” to question, “Are you a US Citizen?” must send proof of legal work authority to the state.

Applicant must use Non-Resident Renewal (NRR) application until thirty (30) days past expiration date. Five (5) years after expiration, applicant must reapply as new.

Applicants with serious RIRS actions or SAD actions applications will be deferred to the state for review.

Applicant applying for insurance producer with agricultural, marine and transportation, surety, and/or vehicle lines of authority (LOAs) must actively hold insurance producer property and casualty LOAs or be applying for property and casualty at the same time.

Applicant applying for variable must hold an active life LOA or be applying for life simultaneously within the same license class.

Authorized person may not be held simultaneously with any license type outside of attorney-in-fact.

Authorized persons must be a Designated Responsible Licensed Producer (DRLP) of a business entity.

Applicant applying for authorized representative must have an appointment with an insurer for this license to become valid. Please be sure to submit application for appointment once the license is approved and is displaying the Producer Database (PDB). If the license is not displaying the PDB, the appointment will be declined.

Independent adjusters and public adjusters may not hold any other license type concurrently.

Surplus lines broker applicants must hold an active insurance producer or authorized representative and have $25,000.00 bond. Applications will be deferred to state for verification.

Applicants with a resident license in Guam are unable to apply electronically for Puerto Rico licenses. Please contact Puerto Rico directly to apply for a license or amend.

Suspended and revoked licenses in any state must contact Puerto Rico directly to apply for a license or amend.

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.

State Offerings (Individual)

Important Definitions and License Requirements:

Insurance Producer - in selling, soliciting, and negotiating insurance, the producer shall not act as authorized representative of the insurer.

  • Insurance Producer cannot be appointed. If an Insurance Producer accepts appointments from an insurer, they have to change their license type to the Authorized Representative.
  • Insurance Producer business entity’s designated response licensed producers must hold an Authorized Person license.
  • Exams and continuing education must be met in the applicant’s resident state.

Authorized Representative - is a producer that subscribes a contract with an insurer to sell, solicit, and negotiate insurance on his behalf and can be as employee or as independent contractor as

  • Authorized Representative cannot be affiliated to a business entity.
  • Applicant must have an active appointment with at least one insurer in order for the license to be active.
  • Authorized Representative business entity’s designated response licensed producers must hold an Authorized Person license.
  • Exams and continuing education must be met in the applicant’s resident state.

Authorized Person – is a designated responsible licensed producer. When a business entity obtains an Insurance Producer or Authorized Representative license, all the individuals affiliated to it will be listed as Authorized Persons.

  • Authorized Person must list only one affiliation to a business entity.
  • More than one affiliation is not permitted.
  • Applicant cannot be a business entity.
  • Applicant does not need to hold the same license type as the business entity.
  • Authorized Person must apply for lines of authority the business entity holds.
  • At least one Authorized Person listed as the designated responsible licensed producer must hold ALL lines of authority as the business.
  • At least one Authorized Person listed as the designated responsible licensed producer must also be listed as an owner, partner, officer, or director on the application.
  • Exams and continuing education must be met in the applicant’s resident state.
License Class Line of Authority (LOA) Major/Limited/Other *
Insurance Producer Life Major
Insurance Producer Health Services Major
Insurance Producer Property Major
Insurance Producer Casualty Major
Insurance Producer Property & Casualty Major
Insurance Producer Variables Major
Insurance Producer Surety Limited
Insurance Producer Agricultural Other
Insurance Producer Fraternal Life Other
Insurance Producer Disability Other
Insurance Producer Marine & Transportation Other
Insurance Producer Title Other
Insurance Producer Malpractice Other
Insurance Producer Reinsurance Other
Insurance Producer Vehicle Other
Authorized Person Agricultural Other
Authorized Person Vehicle Other
Authorized Person Reinsurance Other
Authorized Person Automobile & Accidents Other
Authorized Person Disability Other
Authorized Person Fraternal Life Other
Authorized Person Health Services Other
Authorized Person Life Other
Authorized Person Marine & Transportation Other
Authorized Person Marine, Transportation, Fire & Allied Lines Other
Authorized Person Property Other
Authorized Person Casualty Other
Authorized Person Property & Casualty Other
Authorized Person Surety Other
Authorized Person Title Other
Authorized Person Variables Other
Authorized Person Viatical Settlements Other
Authorized Representative Disability Other
Authorized Representative Fraternal Life Other
Authorized Representative Health Services Other
Authorized Representative Life Other
Authorized Representative Malpractice Other
Authorized Representative Property & Casualty Other
Authorized Representative Title Other
Authorized Representative Variables Other
Authorized Representative Reinsurance Other
Reinsurance Intermediary Manager Reinsurance Other
Reinsurance Intermediary Producer Reinsurance Other
Surplus Lines Broker None Other
Viatical Settlements Broker None Other
Viatical Settlements Investment Agent Viatical Settlements Investment Agent Other

* Applications for Other lines of authority will defer to state for approval.

License Fees (Individual)

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

License Class / LOA Combination Fee * Reinstatement Fee * Amendment Fee *
Insurance Producer / All LOAs $1,682.00 $1,682.00 $0.00
Authorized Person / All LOAs $0.00

Fee is paid by affiliated business entity.

$0.00

Fee is paid by affiliated business entity.

$0.00
Authorized Representative / All LOAs $1,682.00 $1,682.00 $0.00
Surplus Lines Broker / None $1,050.00 $1,050.00 $0.00
Reinsurance Intermediary Manager $1,662.00 $1,662.00 $0.00
Reinsurance Intermediary Producer $1,662.00 $1,662.00 $0.00
Viatical Settlements Broker / None $1,682.00 $1,682.00 $0.00
Viatical Settlements Investments Agent / Viatical Settlements Investments Agent $1,682.00 $1,682.00 $0.00

* Per application.

Contacts

Last Update: 9/24/2018

PUERTO RICO Non-Resident Licensing for Business Entities

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State Announcements

There are no announcements for Puerto Rico at this time.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Non-Resident License (NRL) 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 be registered with the Secretary of State prior to becoming licensed in Puerto Rico. Applications will be deferred to the state for verification.

Applicants with serious RIRS actions or SAD actions applications will be deferred to the state for review.

Applicant applying for authorized person license type requires and must list one affiliation. More than one (1) affiliation is not permitted.

Surplus lines broker applicants must hold an active insurance producer or authorized representative and have $25,000.00 bond. Applications will be deferred to state for verification.

Applicants requesting line of authority (LOA) of malpractice must list a Designated Responsible Licensed Producer (DRLP) that holds and active authorized person with casualty LOA in Puerto Rico.

Independent adjusters and public adjusters may not hold any other license type concurrently.

Applicants with a resident license in Guam are unable to apply electronically for Puerto Rico licenses. Please contact Puerto Rico directly to apply for a license or amend.

Suspended and revoked licenses in any state must contact Puerto Rico directly to apply for a license or amend.

Business entity amendments will be reviewed by Puerto Rico. Please note that although fees for business entity amendments are collected by Puerto Rico and not NIPR, there will be a NIPR fee assessed for your electronic transaction. The application will be pending until Puerto Rico has received all fees. Please contact the state with any questions.

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.

 

Adjuster Licensing Information (Business Entity)

Important Note: Applicants must list at least one Designated Responsible Licensed Producer (DRLP) that holds an Authorized Person license with the same lines of authority as the business entity applying for.

Business entities must be registered with the Secretary of State prior to becoming licensed in Puerto Rico. Applicant can register at [https://prcorpfiling.f1hst.com/]. All applications will be deferred to Puerto Rico for verification and will not be processed until this is complete.

Please review the requirements below.

Public Adjusters:

  • Must not hold any other license type with Public Adjuster license.
  • Fee will be charged per DRLP listed on the application.
  • Are required to submit a $10,000.00 bond per Authorized Person acting on behalf of the business and listed as a DRLP on the application. The bond must be in favor of the Commonwealth of Puerto Rico and sent to the Office of the Commissioner of Insurance of Puerto Rico. A copy can be submitted after application is completed to cumplimiento@ocs.pr.gov in order to process the license but original bond is required for it to become valid. Bond must be notarized. If notary is outside of Puerto Rico, a copy of the Notary's certificate from the Secretary of State must be provided with bond.

Emergency Public Adjusters:

  • Must not hold any other license type with Emergency Public Adjuster license.
  • Are required to submit a $10,000.00 bond per Authorized Person acting on behalf of the business and listed as a DRLP on the application. The bond must be in favor of the Commonwealth of Puerto Rico and sent to the Office of the Commissioner of Insurance of Puerto Rico. A copy can be submitted after application is completed to cumplimiento@ocs.pr.gov in order to process the license but original bond is required for it to become valid. Bond must be notarized. If notary is outside of Puerto Rico, a copy of the Notary's certificate from the Secretary of State must be provided with bond.
  • Submit a copy of professional licenses, if applicable. Professional licenses may include, but not limited to real estate, attorney, accountant, etc.
  • Must submit required documentation by email to cumplimiento@ocs.pr.gov within 15 days of submitting application. If documentation is not received within the 15 day period the license will be revoked. Applicant will need to reapply and resubmit license fee.
  • License will be issued for 6 months and will not be renewable. Some exceptions may be made if requested in person or in writing directly to the Office of the Commissioner of Insurance of Puerto Rico.

Independent Adjuster:

  • Must not hold any other license type with Independent Adjuster license.
  • Fee will be charged per DRLP listed on the application.

Emergency Independent Adjuster:

  • Must not hold any other license type with Emergency Independent Adjuster license.
  • Submit a copy of professional licenses, if applicable. Professional licenses may include, but not limited to real estate, attorney, accountant, etc.
  • Must submit required documentation by email to cumplimiento@ocs.pr.gov within 15 days of submitting application. If documentation is not received within the 15 day period the license will be revoked. Applicant will need to reapply and resubmit license fee.
  • License will be issued for 6 months and will not be renewable. Some exceptions may be made if requested in person or in writing directly to the Office of the Commissioner of Insurance of Puerto Rico.
    For more information and requirements regarding Emergency Public and Emergency Independent Adjuster licensing please review Normative Letter Num. CN-2017-223-D from the Commissioner of Insurance of Puerto Rico.

State Offerings (Business Entity)

License Class Line of Authority (LOA) Major/Limited/Other * DRLP Required
Insurance Producer Life Major Yes
Insurance Producer Health Services Major Yes
Insurance Producer Property Major Yes
Insurance Producer Casualty Major Yes
Insurance Producer Property & Casualty Major Yes
Insurance Producer Variables Major Yes
Insurance Producer Surety Limited Yes
Insurance Producer Agricultural Other Yes
Insurance Producer Fraternal Life Other Yes
Insurance Producer Disability Other Yes
Insurance Producer Marine & Transportation Other Yes
Insurance Producer Title Other Yes
Insurance Producer Malpractice Other Yes
Insurance Producer Reinsurance Other Yes
Insurance Producer Vehicle Other Yes
Authorized Representative Disability Other Yes
Authorized Representative Fraternal Life Other Yes
Authorized Representative Health Services Other Yes
Authorized Representative Life Other Yes
Authorized Representative Malpractice Other Yes
Authorized Representative Property & Casualty Other Yes
Authorized Representative Title Other Yes
Authorized Representative Variables Other Yes
Authorized Representative Reinsurance Other Yes
Independent Adjuster Automobile & Accidents Other Yes
Independent Adjuster Marine, Transportation, Fire & Allied Lines Other Yes
Public Adjuster Automobile & Accidents Other Yes
Public Adjuster Marine, Transportation, Fire & Allied Lines Other Yes
Reinsurance Intermediary Manager Reinsurance Other Yes
Reinsurance Intermediary Producer Reinsurance Other Yes
Surplus Lines Broker None Other Yes
Viatical Settlements Broker None Other No
Viatical Settlements Investment Agent Viatical Settlements Investment Agent Other No

* Applications for Other lines of authority will defer to state for approval.

License Fees (Business Entity)

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

License Class / LOA Combination Fee * Reinstatement Fee * Amendment Fee *
Insurance Producer / All LOAs $1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP
$1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP
$0.00
Authorized Representative / All LOAs $1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP
$1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP
$0.00
Independent Adjuster / All LOAs $420.00 per DRLP $420.00 per DRLP $0.00
Public Adjuster / All LOAs $420.00 per DRLP $420.00 per DRLP $0.00
Reinsurance Intermediary Manager $1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP
$1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP
$0.00
Reinsurance Intermediary Producer $1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP
$1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP
$0.00
Surplus Lines Broker $1,050.00 for 1-3 DRLPs
$1,050.00 for each additional DRLP
$1,050.00 for 1-3 DRLPs
$1,050.00 for each additional DRLP
$0.00
Viatical Settlements Broker $1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP
$1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP
$0.00
Viatical Settlements Investments Agent $1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP
$1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP
$0.00

* Per application.

Contacts

Last Update: 9/20/2018

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