RHODE ISLAND Resident Licensing for Individuals

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State Announcements

There are no announcements for Rhode Island 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 Resident License (RL) 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 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.

All Rhode Island residents must provide a certified background check (BCI). For additional information, please visit www.riag.ri.gov and choose the "Information on Background Checks" link.

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 to dbr.inslic@dbr.ri.gov.

Electronic applications will only be issued for a two (2) year license term.

Applicants with an active non-resident license in Rhode Island who have relocated to Rhode Island do not need to reapply. Send an email to dbr.inslic@dbr.ri.gov with updated resident information and your request will be reviewed by the Rhode Island Insurance Division.

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:

  • 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 prior to applying for the license. Applicants should call PearsonVue at 800-274-3739 or visit www.pearsonvue.com/ri/insurance for additional information about exam locations and hours, and to schedule your exam. Rhode Island examination content outlines can be found here.

Applicants for the Reinsurance license classes are required to hold active Insurance Producer license prior to applying and must select both single lines of casualty and property, and 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. Evidence is not required to be furnished.

Rhode Island only allows amendments to a license if license is active status.

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 choose your license type and line(s) of authority (LOA) carefully. Because the electronic application is 100% user driven, the Rhode Island Insurance Division will not honor a refund request if you apply for the wrong license by accident, if you apply for the same license more than once (back-to-back), or if you apply for the wrong LOA. If you do not see the line(s) of authority that you expect to see because you took an exam, please do not apply for a random LOA because it's available to you. It takes 3-5 days for the exam results to be reported to NIPR and when those results are reported, you will be able to apply for the applicable LOA. All LOA amendments must be processed through NIPR and there is a $50 amendment fee.

State Offerings (Individual)

Please note that license class names can vary by state.

License Class

Line of Authority (LOA)

Exam Required

Insurance Producer

Life

Y

Insurance Producer

Accident & Health or Sickness

Y

Insurance Producer

Property

Y

Insurance Producer

Casualty

Y

Insurance Producer

Personal Lines

Y

Insurance Producer

Variable Annuities / Variable Life

N

Insurance Producer

Credit Products

N

Insurance Producer

Other Limited Line (Travel)

N

Insurance Producer

Other Limited Line (Car Rental)

N

Insurance Producer

Other Limited Line (Surety)

N

Insurance Producer

Other Limited Line (Crop)

N

Insurance Producer

Life Settlement Broker

N

Insurance Producer

Pet

N

Surplus Lines Broker

None

N

Motor Vehicle Damage Appraiser

None

Y

Title

Title

N

Reinsurance Intermediary Broker

Property

N

Reinsurance Intermediary Broker

Casualty

N

Reinsurance Intermediary Broker

Life

N

Reinsurance Intermediary Broker

Accident & Health or Sickness

N

Reinsurance Intermediary Manager

Property

N

Reinsurance Intermediary Manager

Casualty

N

Reinsurance Intermediary Manager

Life

N

Reinsurance Intermediary Manager

Accident & Health or Sickness

N

Company/Independent Adjuster

Workers' Compensation

Y

Company/Independent Adjuster

Property/Casualty

Y

Company/Independent Adjuster

Crop

N

Public Adjuster

NONE

Y

License Fees (Individual)

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

License Class / LOA Combination

License Fee *

Reinstatement Fee
(late renewal allowed for a license that is greater than 30 days AND less than 365 days beyond the license expiration date)

Insurance Producer / All LOAs

$120.00

$120.00 + $50.00 late fee

Surplus Lines Broker / None

$100.00

$100.00 + $50.00 late fee

Motor Vehicle Damage Appraiser / None

$150.00

$150.00 + $50.00 late fee

Title / Title

$120.00

$120.00 + $50.00 late fee

Reinsurance Intermediary Broker / All LOAs

$200.00

$200.00 + $50.00 late fee

Reinsurance Intermediary Manager / All LOAs

$200.00

$200.00 + $50.00 late fee

Company/Independent Adjuster/All LOA's

$250.00

$250.00* + $50.00 late fee

Public Adjuster/NONE

$250.00

$250.00 + $50.00 late fee

Line of Authority Amendment / Addition Fee

$50.00

N/A

* Per application.

Contacts

Last Update: 10/12/2018

RHODE ISLAND Resident Licensing for Business Entities

APPLY HERE

State Announcements

There are no announcements for Rhode Island 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 Resident License (RL) 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)

Surplus Line Broker applicants must already have an active Insurance Producer's license with active Property and Casualty Lines of Authority.

Electronic applications will only be issued for a two (2) year license term.

Applicant must provide a valid business email address.

Business entities must provide a business address in the state.

Rhode Island will allow reinstatements of a license if:

  • 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.

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.

DRLPs are not required to cumulatively cover the lines of authority (LOAs) on the business application.

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. 

Applicants for the Reinsurance license classes are required to hold active Insurance Producer license prior to applying and must select both single lines of casualty and property, and both single lines of life and accident and health or sickness.

All applications for the Third Party Administrator Certificate of Authority, Third Party Administrator Registered, and Third Party Administrator Waiver Certificate must provide annual report form and annual filing fee to Rhode Island Department of Business Regulation, Insurance Division. 

Third Party Administrator Certificate of Authority and Third Party Administrator Registered licenses cannot be applied for or held simultaneously.

Third Party Administrator Waiver Certificate and Third Party Administrator Registered licenses cannot be applied for or held simultaneously.

Rhode Island only allows amendments to a license if license is active status.

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 (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 Personal Lines Yes
Insurance Producer Variable Annuities / Variable Life Yes
Insurance Producer Credit Products (Limited Line) Yes
Insurance Producer Other Limited Line (Travel) Yes
Insurance Producer Other Limited Line (Car Rental) Yes
Insurance Producer Other Limited Line (Surety) Yes
Insurance Producer Other Limited Line (Crop) Yes
Insurance Producer Pet Yes
Insurance Producer Life Settlement Broker Yes
Insurance Producer Managing General Agent Yes
Surplus Lines Broker None Yes
Motor Vehicle Damage Appraiser None Yes
Title Title Yes
Reinsurance Intermediary Broker Property Yes
Reinsurance Intermediary Broker Casualty Yes
Reinsurance Intermediary Broker Life Yes
Reinsurance Intermediary Broker Accident & Health or Sickness Yes
Reinsurance Intermediary Manager Property Yes
Reinsurance Intermediary Manager Casualty Yes
Reinsurance Intermediary Manager Life Yes
Reinsurance Intermediary Manager Accident & Health or Sickness Yes
Company/ Independent Adjuster Workers' Compensation Yes
Company/ Independent Adjuster Property/Casualty Yes
Company/ Independent Adjuster Crop Yes
Portable Electronics Broker NONE No
Public Adjuster NONE Yes
Third Party Administrator Certificate of Authority NONE No
Third Party Administrator Registered NONE No
Third Party Administrator Waiver Certificate NONE 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
(late renewal allowed for a license that is greater than 30 days AND less than 365 days beyond the license expiration date)
Insurance Producer / All LOAs $120.00 $120.00 + $50.00 late fee
Surplus Lines Broker / None $100.00 $100.00 + $50.00 late fee
Motor Vehicle Damage Appraiser / None $150.00 $150.00 + $50.00 late fee
Title / Title $120.00 $120.00 + $50.00 late fee
Reinsurance Intermediary Broker / All LOAs $200.00 $200.00 + $50.00 late fee
Reinsurance Intermediary Manager / All LOAs $200.00 $200.00 + $50.00 late fee
Company/ Independent Adjuster / All LOA's $250.00 $250.00 + $50.00 late fee
Portable Electronics Broker $200.00 $200.00 + $50.00 late fee
Public Adjuster/NONE $250.00 $250.00 + $50.00 late fee
Third Party Administrator Certificate of Authority / None $250.00 $250.00 + $50.00 late fee
Third Party Administrator Registered / None $0.00 $0.00
Third Party Administrator Waiver Certificate / None $250.00

$250.00 + $50.00 late fee

Line of Authority Amendment / Addition Fee $50.00

N/A

* Per application.

Contacts

Last Update: 10/12/2018

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