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Arizona Bail Bond — Requirements & Free Practice

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Business Entity Bail Bond Agent

Resident business-entity bail bond agent license; each owner and shareholder must be individually licensed as a bail bond agent.

Licensing authority: department of insurance and financial institutions · Application information

Business entity new application after more than one year expired
No examination is required for this applicant pathway.
Application
Apply through NIPR or the NAIC uniform paper application. Fee $120. Use Form L-193 for an assumed business name.
Designated Producer
Designate an individually licensed producer responsible for compliance; operate within organizational documents and disclose members, officers and directors (§ 20-285(C)-(D)).
Expiration
After one year the application is treated as new under § 20-289(E).
Owners And Shareholders
Every owner and shareholder must be individually licensed as a bail bond agent (§ 20-340.01(C)); existing individual licenses are applicant conditions, not examinations taken by the entity.
Principal Fingerprints
DIFI requires fingerprints for principals in the cases stated under Business Entity Bail Bond Agents / Provide Fingerprints for Principals; issuance requires the applicable criminal-record checks.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Apply through NIPR or the NAIC uniform paper application. Fee $120. Use Form L-193 for an assumed business name.
Designated Producer
Designate an individually licensed producer responsible for compliance; operate within organizational documents and disclose members, officers and directors (§ 20-285(C)-(D)).
Owners And Shareholders
Every owner and shareholder must be individually licensed as a bail bond agent (§ 20-340.01(C)); existing individual licenses are applicant conditions, not examinations taken by the entity.
Principal Fingerprints
DIFI requires fingerprints for principals in the cases stated under Business Entity Bail Bond Agents / Provide Fingerprints for Principals; issuance requires the applicable criminal-record checks.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).

Official no-examination sources

Effective from 2026-09-22.

Business entity late renewal within one year
No examination is required for this applicant pathway.
Application
Complete the renewal form via NIPR or Form L-191 (individual) / L-192 (business entity) and pay the $120 fee before expiration.
Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Continuing Education
No insurance continuing education is required for bail bond agents, as DIFI and the PSI bulletin expressly state.
Late Fee
Additional $100; apply within one year after expiration and cease licensed transactions until renewed.
Owners And Shareholders
Every owner and shareholder must be individually licensed as a bail bond agent (§ 20-340.01(C)); existing individual licenses are applicant conditions, not examinations taken by the entity.
Verification
DIFI may request verifying documents and fingerprints before renewal (§ 20-289(D)).

Official no-examination sources

Effective from 2026-09-22.

Business entity timely renewal
No examination is required for this applicant pathway.
Application
Complete the renewal form via NIPR or Form L-191 (individual) / L-192 (business entity) and pay the $120 fee before expiration.
Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Continuing Education
No insurance continuing education is required for bail bond agents, as DIFI and the PSI bulletin expressly state.
Owners And Shareholders
Every owner and shareholder must be individually licensed as a bail bond agent (§ 20-340.01(C)); existing individual licenses are applicant conditions, not examinations taken by the entity.
Verification
DIFI may request verifying documents and fingerprints before renewal (§ 20-289(D)).

Official no-examination sources

Effective from 2026-09-22.

Business entity new licensure after revocation
No examination is required for this applicant pathway.
Application
Apply through NIPR or the NAIC uniform paper application. Fee $120. Use Form L-193 for an assumed business name.
Designated Producer
Designate an individually licensed producer responsible for compliance; operate within organizational documents and disclose members, officers and directors (§ 20-285(C)-(D)).
Owners And Shareholders
Every owner and shareholder must be individually licensed as a bail bond agent (§ 20-340.01(C)); existing individual licenses are applicant conditions, not examinations taken by the entity.
Principal Fingerprints
DIFI requires fingerprints for principals in the cases stated under Business Entity Bail Bond Agents / Provide Fingerprints for Principals; issuance requires the applicable criminal-record checks.
Revocation
At least one year since revocation; again qualify under applicable law. Restrictions on entity principals and responsible producer under § 20-296(B) also apply.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).

Official no-examination sources

Effective from 2026-09-22.

Business entity reapplication after surrender
No examination is required for this applicant pathway.
Application
Apply through NIPR or the NAIC uniform paper application. Fee $120. Use Form L-193 for an assumed business name.
Designated Producer
Designate an individually licensed producer responsible for compliance; operate within organizational documents and disclose members, officers and directors (§ 20-285(C)-(D)).
Owners And Shareholders
Every owner and shareholder must be individually licensed as a bail bond agent (§ 20-340.01(C)); existing individual licenses are applicant conditions, not examinations taken by the entity.
Principal Fingerprints
DIFI requires fingerprints for principals in the cases stated under Business Entity Bail Bond Agents / Provide Fingerprints for Principals; issuance requires the applicable criminal-record checks.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Surrender
Qualify as a new entity applicant under § 20-289(F); DIFI states a one-year wait after surrender.

Official no-examination sources

Effective from 2026-09-22.

bail bond agent license

License authorizing an individual to act as a bail bond agent.

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

New application after more than one year expired
Arizona Examination for Bail Bond Agent
Application
Submit the NAIC uniform application on paper or through NIPR; provide identity, personal-history and business information. Initial license fee $120 and fingerprint processing $22 when required.
Attempt Limit
At most four attempts in 12 months; after the fourth failure, wait one year before another attempt (§ 20-284(H)).
Expiration
An application more than one year after expiration is a new application under § 20-289(E).
Fingerprints
Full fingerprints and completed state and federal criminal-history checks before issuance (§ 20-340.01(B)).
Fitness
Do not have disqualifying acts under § 20-295; comply with application background disclosures and the applicable written-consent requirement for prohibited insurance participation.
Lawful Presence
DIFI requires Form L-152 and identification. Its bail-agent page includes an exception worded for a home-state adjuster; this wording does not waive the bail-agent residency statute.
Minimum Age
At least 18 years old (A.R.S. § 20-285(B)(1)).
Oral Supplement
Under § 20-284(D), the director may supplement a written examination with an oral examination. No separately identified registered oral examination is established.
Relocation Wording
DIFI, Individual Bail Bond Agents / Examination, states: Examination: You generally must pass an Arizona insurance examination (administered by PSI ⧉(opens in a new tab)) for the license authority you want if your primary residence/business is in Arizona, or if you relocate from a state where you did not hold this license. Arizona law limits you to four attempts within a one-year period. Once passed, you must apply within one year. (A.R.S. § 20-284 ⧉(opens in a new tab)). Note that exemptions apply for certain limited lines, variable life/annuity producers (with FINRA), navigators/CACs (with federal certification), and non-residents licensed in their home state. Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)). Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required. Business Entity License Application The following are requirements for a business entity applying to become an insurance producer. The requirements apply to both resident and nonresident businesses except as otherwise noted: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00. Assumed Name / DBA: If you intend to do business under a name other than your genuine legal name, complete and submit Form L-193 (Certificate of Assumed Name). License Compliance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. Complete Form L-CHG to report a new designated responsible licensed producer. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Name Change: Arizona residents must submit Form L-CHG with a copy of both sides of their newly issued AZ Driver License or ID showing the new name. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Assumed Name / DBA If you intend to do business under a name other than your legal name, complete and submit Form L-193 (Certificate of Assumed Business Name). Protect your assumed name by also registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name. Report Administrative Actions or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. License Renewal All insurance professionals (both residents and nonresidents) can renew licenses, apply for licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR renewal applications are easy to complete, and we can usually process them faster than applications that are mailed to us. NIPR charges a small transaction fee (around $5 to $7) to process a license application and fee payment. Many people have found that the added convenience plus the time and postage savings are worth paying the fee. Note: You can use NIPR for free to change an address, email address, or phone number! Post-Submission Process Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed.   Continuing Education Arizona resident licensed insurance producers with a major line of authority (life, accident and health, property, casualty, or personal lines insurance) are required to complete 48 hours of continuing education (CE) every four years to maintain their license. Key Continuing Education Requirements: Total Hours: 48 hours of CE are required per four-year licensing period. Ethics: A minimum of six of the 48 hours must be in the subject of ethics. Renewal Period: Licenses are renewed every four years, with the expiration falling on the last day of the licensee's birth month. Required CE must be completed prior to submitting your renewal application. See Complete Requirements and FAQ ⧉(opens in a new tab) Adjuster What Is an Adjuster? An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321 ⧉(opens in a new tab). "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. "Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer. A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. A.R.S. § 20-321(1)(b)(ii) ⧉(opens in a new tab). Who Must Be Licensed? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (A.R.S. § 20-321 ⧉(opens in a new tab)): You are a licensed attorney qualified to practice law in Arizona; You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination; You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold; You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc. Both of the following two conditions apply: You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. A.R.S. § 20-321.01(D) ⧉(opens in a new tab). Note: Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Adjusters The following are requirements for an individual applying for or renewing an insurance adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR online applications are processed more quickly than applications submitted on paper. Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Business Entity Adjusters The following are requirements for a business entity applying for or renewing an insurance adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Post-Submission Process (All Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Portable Electronics Adjuster What Is a Portable Electronics Adjuster? A portable electronics adjuster is a person licensed in Arizona to adjust only portable electronics insurance claims. The person must either be: A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state; or, A resident of another state who is not licensed as an insurance adjuster, but is permitted to adjust portable electronics insurance claims in the resident state. Who Must Be Licensed? To adjust portable electronics insurance claims... An Arizona resident must hold an insurance adjuster license. A person who resides in another state that licenses insurance adjusters must hold a resident insurance adjuster license in that state and become licensed as a nonresident insurance adjuster in Arizona. A person who resides in another state that does not license adjusters but is allowed to adjust portable electronics insurance claims in that state must become licensed in Arizona as a portable electronics insurance adjuster. A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state must become licensed in Arizona as a portable electronics insurance adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Portable Electronics Adjusters The following are requirements for an individual applying for or renewing a portable electronics adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Fingerprints: Pursuant to A.R.S. §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Department if you are an Arizona resident who does not already hold an Arizona insurance license requiring prints, you are relocating to Arizona, or you reside in a state that does not issue this type of license. Fingerprints will be checked against AZDPS and FBI criminal history databases. You can submit your initial application online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or by submitting a paper NAIC uniform license application. NIPR applications are processed more quickly. Renewal Application Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Use NIPR ⧉(opens in a new tab) to update your information and renew; OR Download, complete, sign, and submit Form L-191 with your fee payment. Required Fees (Non-refundable) License / Renewal Fee: $120.00 FBI Fingerprint Processing Fee: $22.00 (Only if required for an initial application. This is separate from the fee charged by the fingerprinting facility.) Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Business Entity Portable Electronics Adjusters The following are requirements for a business entity applying for or renewing a portable electronics adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or submit a paper application (Form L-192 for renewals). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) License / Renewal Fee: $120.00 Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Compliance & Maintenance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Responsible Producer: Complete Form L-CHG to report a new designated responsible licensed producer or adjuster. Name Change: Complete Form L-CHG. Arizona residents must include a copy of the front and back of their new AZ Driver License or ID. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Report Administrative or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. Post-Submission Process (All Portable Electronics Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Bail Bond Agent What Is a Bail Bond Agent? A bail bond agent is an individual or business appointed by a surety company to execute or countersign the insurer's bail bonds in connection with criminal judicial proceedings. A.R.S. § 20-340(2) ⧉(opens in a new tab). When a person is arrested or confined for an actual or alleged violation of federal, state or local criminal law, the court may provide the defendant an opportunity to be released on bail. Bail is an amount deposited with and held by a court as a guarantee that the defendant will appear in court when required by law and will obey orders and judgments of the court. Bail can always be paid in cash. Rather than requiring a cash deposit, a court will sometimes accept bail in the form of a financial guaranty from a surety company, called a bail bond. With a bail bond, an indemnitor pays the bail bond agent an insurance premium for the bail bond and provides the surety company (through the bail bond agent) collateral that has a value that will cover the bail amount if the defendant violates the court's conditions of release. If the defendant appears in court when required, the surety company must return the collateral to the indemnitor. A.R.S. § 20-340.03(A)(6) ⧉(opens in a new tab). If the court finds that the defendant failed to appear without good cause, the court will issue an order causing the person who posted bail to forfeit the bail to the court. If the court accepted a bail bond in lieu of cash, the surety company must pay the bail amount to the court, but has the opportunity to recover the bail amount by apprehending the defendant. The surety company may utilize a bail bond agent or bail recovery agent to arrest the defendant. A.R.S. § 13-3885(A) and (G) ⧉(opens in a new tab). A bail bond does not include civil bonds in connection with contracts or administrative proceedings, immigration bonds or bonds that provide guarantees for other noncriminal matters. Who Must Be Licensed? An individual or business entity must be an Arizona-licensed bail bond agent in order to act as a bail bond agent. A.R.S. § 20-340.01(A) ⧉(opens in a new tab). A bail bond agent is not authorized to transact civil bonds in connection with contracts, administrative proceedings or other noncriminal matters in Arizona (unless the person is also licensed as a property and casualty producer in Arizona). A.R.S. § 20-340.01(D) ⧉(opens in a new tab). Note: The Department of Insurance cannot issue a bail bond agent license until it receives the results of the required federal and state criminal records check, which can take up to 4 months from the license application date. A.R.S. § 20-340.01(B) ⧉(opens in a new tab). Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Bail Bond Agents The following are requirements for an individual applying for or renewing a bail bond agent license: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Examination: You generally must pass an Arizona insurance examination administered by PSI ⧉(opens in a new tab) if you are an Arizona resident or relocating from a state where you did not hold this license. Note: You are limited to four attempts per 12-month period. Once passed, you must apply for the license within one year. The statutory incorporation in § 20-340.06 applies § 20-288(B), not its interstate exemption in subsection A.
Residency
Affidavit attesting to at least one year of Arizona residency immediately before application (§ 20-340.01(A)).
Score Window
Pass within the year before DIFI receives the application; § 20-284(B) extends the period for active military service up to a total of 1.5 years with military documentation.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Resident individual initial licensure by examination
Arizona Examination for Bail Bond Agent
Application
Submit the NAIC uniform application on paper or through NIPR; provide identity, personal-history and business information. Initial license fee $120 and fingerprint processing $22 when required.
Attempt Limit
At most four attempts in 12 months; after the fourth failure, wait one year before another attempt (§ 20-284(H)).
Fingerprints
Full fingerprints and completed state and federal criminal-history checks before issuance (§ 20-340.01(B)).
Fitness
Do not have disqualifying acts under § 20-295; comply with application background disclosures and the applicable written-consent requirement for prohibited insurance participation.
Lawful Presence
DIFI requires Form L-152 and identification. Its bail-agent page includes an exception worded for a home-state adjuster; this wording does not waive the bail-agent residency statute.
Minimum Age
At least 18 years old (A.R.S. § 20-285(B)(1)).
Oral Supplement
Under § 20-284(D), the director may supplement a written examination with an oral examination. No separately identified registered oral examination is established.
Relocation Wording
DIFI, Individual Bail Bond Agents / Examination, states: Examination: You generally must pass an Arizona insurance examination (administered by PSI ⧉(opens in a new tab)) for the license authority you want if your primary residence/business is in Arizona, or if you relocate from a state where you did not hold this license. Arizona law limits you to four attempts within a one-year period. Once passed, you must apply within one year. (A.R.S. § 20-284 ⧉(opens in a new tab)). Note that exemptions apply for certain limited lines, variable life/annuity producers (with FINRA), navigators/CACs (with federal certification), and non-residents licensed in their home state. Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)). Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required. Business Entity License Application The following are requirements for a business entity applying to become an insurance producer. The requirements apply to both resident and nonresident businesses except as otherwise noted: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00. Assumed Name / DBA: If you intend to do business under a name other than your genuine legal name, complete and submit Form L-193 (Certificate of Assumed Name). License Compliance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. Complete Form L-CHG to report a new designated responsible licensed producer. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Name Change: Arizona residents must submit Form L-CHG with a copy of both sides of their newly issued AZ Driver License or ID showing the new name. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Assumed Name / DBA If you intend to do business under a name other than your legal name, complete and submit Form L-193 (Certificate of Assumed Business Name). Protect your assumed name by also registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name. Report Administrative Actions or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. License Renewal All insurance professionals (both residents and nonresidents) can renew licenses, apply for licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR renewal applications are easy to complete, and we can usually process them faster than applications that are mailed to us. NIPR charges a small transaction fee (around $5 to $7) to process a license application and fee payment. Many people have found that the added convenience plus the time and postage savings are worth paying the fee. Note: You can use NIPR for free to change an address, email address, or phone number! Post-Submission Process Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed.   Continuing Education Arizona resident licensed insurance producers with a major line of authority (life, accident and health, property, casualty, or personal lines insurance) are required to complete 48 hours of continuing education (CE) every four years to maintain their license. Key Continuing Education Requirements: Total Hours: 48 hours of CE are required per four-year licensing period. Ethics: A minimum of six of the 48 hours must be in the subject of ethics. Renewal Period: Licenses are renewed every four years, with the expiration falling on the last day of the licensee's birth month. Required CE must be completed prior to submitting your renewal application. See Complete Requirements and FAQ ⧉(opens in a new tab) Adjuster What Is an Adjuster? An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321 ⧉(opens in a new tab). "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. "Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer. A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. A.R.S. § 20-321(1)(b)(ii) ⧉(opens in a new tab). Who Must Be Licensed? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (A.R.S. § 20-321 ⧉(opens in a new tab)): You are a licensed attorney qualified to practice law in Arizona; You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination; You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold; You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc. Both of the following two conditions apply: You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. A.R.S. § 20-321.01(D) ⧉(opens in a new tab). Note: Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Adjusters The following are requirements for an individual applying for or renewing an insurance adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR online applications are processed more quickly than applications submitted on paper. Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Business Entity Adjusters The following are requirements for a business entity applying for or renewing an insurance adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Post-Submission Process (All Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Portable Electronics Adjuster What Is a Portable Electronics Adjuster? A portable electronics adjuster is a person licensed in Arizona to adjust only portable electronics insurance claims. The person must either be: A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state; or, A resident of another state who is not licensed as an insurance adjuster, but is permitted to adjust portable electronics insurance claims in the resident state. Who Must Be Licensed? To adjust portable electronics insurance claims... An Arizona resident must hold an insurance adjuster license. A person who resides in another state that licenses insurance adjusters must hold a resident insurance adjuster license in that state and become licensed as a nonresident insurance adjuster in Arizona. A person who resides in another state that does not license adjusters but is allowed to adjust portable electronics insurance claims in that state must become licensed in Arizona as a portable electronics insurance adjuster. A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state must become licensed in Arizona as a portable electronics insurance adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Portable Electronics Adjusters The following are requirements for an individual applying for or renewing a portable electronics adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Fingerprints: Pursuant to A.R.S. §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Department if you are an Arizona resident who does not already hold an Arizona insurance license requiring prints, you are relocating to Arizona, or you reside in a state that does not issue this type of license. Fingerprints will be checked against AZDPS and FBI criminal history databases. You can submit your initial application online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or by submitting a paper NAIC uniform license application. NIPR applications are processed more quickly. Renewal Application Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Use NIPR ⧉(opens in a new tab) to update your information and renew; OR Download, complete, sign, and submit Form L-191 with your fee payment. Required Fees (Non-refundable) License / Renewal Fee: $120.00 FBI Fingerprint Processing Fee: $22.00 (Only if required for an initial application. This is separate from the fee charged by the fingerprinting facility.) Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Business Entity Portable Electronics Adjusters The following are requirements for a business entity applying for or renewing a portable electronics adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or submit a paper application (Form L-192 for renewals). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) License / Renewal Fee: $120.00 Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Compliance & Maintenance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Responsible Producer: Complete Form L-CHG to report a new designated responsible licensed producer or adjuster. Name Change: Complete Form L-CHG. Arizona residents must include a copy of the front and back of their new AZ Driver License or ID. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Report Administrative or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. Post-Submission Process (All Portable Electronics Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Bail Bond Agent What Is a Bail Bond Agent? A bail bond agent is an individual or business appointed by a surety company to execute or countersign the insurer's bail bonds in connection with criminal judicial proceedings. A.R.S. § 20-340(2) ⧉(opens in a new tab). When a person is arrested or confined for an actual or alleged violation of federal, state or local criminal law, the court may provide the defendant an opportunity to be released on bail. Bail is an amount deposited with and held by a court as a guarantee that the defendant will appear in court when required by law and will obey orders and judgments of the court. Bail can always be paid in cash. Rather than requiring a cash deposit, a court will sometimes accept bail in the form of a financial guaranty from a surety company, called a bail bond. With a bail bond, an indemnitor pays the bail bond agent an insurance premium for the bail bond and provides the surety company (through the bail bond agent) collateral that has a value that will cover the bail amount if the defendant violates the court's conditions of release. If the defendant appears in court when required, the surety company must return the collateral to the indemnitor. A.R.S. § 20-340.03(A)(6) ⧉(opens in a new tab). If the court finds that the defendant failed to appear without good cause, the court will issue an order causing the person who posted bail to forfeit the bail to the court. If the court accepted a bail bond in lieu of cash, the surety company must pay the bail amount to the court, but has the opportunity to recover the bail amount by apprehending the defendant. The surety company may utilize a bail bond agent or bail recovery agent to arrest the defendant. A.R.S. § 13-3885(A) and (G) ⧉(opens in a new tab). A bail bond does not include civil bonds in connection with contracts or administrative proceedings, immigration bonds or bonds that provide guarantees for other noncriminal matters. Who Must Be Licensed? An individual or business entity must be an Arizona-licensed bail bond agent in order to act as a bail bond agent. A.R.S. § 20-340.01(A) ⧉(opens in a new tab). A bail bond agent is not authorized to transact civil bonds in connection with contracts, administrative proceedings or other noncriminal matters in Arizona (unless the person is also licensed as a property and casualty producer in Arizona). A.R.S. § 20-340.01(D) ⧉(opens in a new tab). Note: The Department of Insurance cannot issue a bail bond agent license until it receives the results of the required federal and state criminal records check, which can take up to 4 months from the license application date. A.R.S. § 20-340.01(B) ⧉(opens in a new tab). Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Bail Bond Agents The following are requirements for an individual applying for or renewing a bail bond agent license: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Examination: You generally must pass an Arizona insurance examination administered by PSI ⧉(opens in a new tab) if you are an Arizona resident or relocating from a state where you did not hold this license. Note: You are limited to four attempts per 12-month period. Once passed, you must apply for the license within one year. The statutory incorporation in § 20-340.06 applies § 20-288(B), not its interstate exemption in subsection A.
Residency
Affidavit attesting to at least one year of Arizona residency immediately before application (§ 20-340.01(A)).
Score Window
Pass within the year before DIFI receives the application; § 20-284(B) extends the period for active military service up to a total of 1.5 years with military documentation.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Late renewal within one year after expiration
No examination is required for this applicant pathway.
Application
Complete the renewal form via NIPR or Form L-191 (individual) / L-192 (business entity) and pay the $120 fee before expiration.
Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Continuing Education
No insurance continuing education is required for bail bond agents, as DIFI and the PSI bulletin expressly state.
Late Fee
File within one year of expiration and pay an additional $100; cease licensed activity while expired.
Verification
DIFI may request verifying documents and fingerprints before renewal (§ 20-289(D)).

Official no-examination sources

Effective from 2026-09-22.

Renewal with active military inactive status extension
No examination is required for this applicant pathway.
Application
Complete the renewal form via NIPR or Form L-191 (individual) / L-192 (business entity) and pay the $120 fee before expiration.
Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Continuing Education
No insurance continuing education is required for bail bond agents, as DIFI and the PSI bulletin expressly state.
Military Service
Request inactive status in writing under § 20-289.01(A); no transactions while inactive; renewal deadlines are extended by the active-service days and military documentation is required. Routine reservist service does not qualify.
Verification
DIFI may request verifying documents and fingerprints before renewal (§ 20-289(D)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual application after previous licensure elsewhere
Arizona Examination for Bail Bond Agent
Application
Submit the NAIC uniform application on paper or through NIPR; provide identity, personal-history and business information. Initial license fee $120 and fingerprint processing $22 when required.
Attempt Limit
At most four attempts in 12 months; after the fourth failure, wait one year before another attempt (§ 20-284(H)).
Fingerprints
Full fingerprints and completed state and federal criminal-history checks before issuance (§ 20-340.01(B)).
Fitness
Do not have disqualifying acts under § 20-295; comply with application background disclosures and the applicable written-consent requirement for prohibited insurance participation.
Lawful Presence
DIFI requires Form L-152 and identification. Its bail-agent page includes an exception worded for a home-state adjuster; this wording does not waive the bail-agent residency statute.
Minimum Age
At least 18 years old (A.R.S. § 20-285(B)(1)).
Oral Supplement
Under § 20-284(D), the director may supplement a written examination with an oral examination. No separately identified registered oral examination is established.
Prior License
Prior licensure elsewhere is applicant evidence. The one-year Arizona residency affidavit still applies. The interstate examination exemption in § 20-288(A) is not incorporated by § 20-340.06.
Relocation Wording
DIFI, Individual Bail Bond Agents / Examination, states: Examination: You generally must pass an Arizona insurance examination (administered by PSI ⧉(opens in a new tab)) for the license authority you want if your primary residence/business is in Arizona, or if you relocate from a state where you did not hold this license. Arizona law limits you to four attempts within a one-year period. Once passed, you must apply within one year. (A.R.S. § 20-284 ⧉(opens in a new tab)). Note that exemptions apply for certain limited lines, variable life/annuity producers (with FINRA), navigators/CACs (with federal certification), and non-residents licensed in their home state. Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)). Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required. Business Entity License Application The following are requirements for a business entity applying to become an insurance producer. The requirements apply to both resident and nonresident businesses except as otherwise noted: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00. Assumed Name / DBA: If you intend to do business under a name other than your genuine legal name, complete and submit Form L-193 (Certificate of Assumed Name). License Compliance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. Complete Form L-CHG to report a new designated responsible licensed producer. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Name Change: Arizona residents must submit Form L-CHG with a copy of both sides of their newly issued AZ Driver License or ID showing the new name. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Assumed Name / DBA If you intend to do business under a name other than your legal name, complete and submit Form L-193 (Certificate of Assumed Business Name). Protect your assumed name by also registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name. Report Administrative Actions or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. License Renewal All insurance professionals (both residents and nonresidents) can renew licenses, apply for licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR renewal applications are easy to complete, and we can usually process them faster than applications that are mailed to us. NIPR charges a small transaction fee (around $5 to $7) to process a license application and fee payment. Many people have found that the added convenience plus the time and postage savings are worth paying the fee. Note: You can use NIPR for free to change an address, email address, or phone number! Post-Submission Process Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed.   Continuing Education Arizona resident licensed insurance producers with a major line of authority (life, accident and health, property, casualty, or personal lines insurance) are required to complete 48 hours of continuing education (CE) every four years to maintain their license. Key Continuing Education Requirements: Total Hours: 48 hours of CE are required per four-year licensing period. Ethics: A minimum of six of the 48 hours must be in the subject of ethics. Renewal Period: Licenses are renewed every four years, with the expiration falling on the last day of the licensee's birth month. Required CE must be completed prior to submitting your renewal application. See Complete Requirements and FAQ ⧉(opens in a new tab) Adjuster What Is an Adjuster? An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321 ⧉(opens in a new tab). "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. "Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer. A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. A.R.S. § 20-321(1)(b)(ii) ⧉(opens in a new tab). Who Must Be Licensed? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (A.R.S. § 20-321 ⧉(opens in a new tab)): You are a licensed attorney qualified to practice law in Arizona; You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination; You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold; You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc. Both of the following two conditions apply: You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. A.R.S. § 20-321.01(D) ⧉(opens in a new tab). Note: Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Adjusters The following are requirements for an individual applying for or renewing an insurance adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR online applications are processed more quickly than applications submitted on paper. Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Business Entity Adjusters The following are requirements for a business entity applying for or renewing an insurance adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Post-Submission Process (All Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Portable Electronics Adjuster What Is a Portable Electronics Adjuster? A portable electronics adjuster is a person licensed in Arizona to adjust only portable electronics insurance claims. The person must either be: A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state; or, A resident of another state who is not licensed as an insurance adjuster, but is permitted to adjust portable electronics insurance claims in the resident state. Who Must Be Licensed? To adjust portable electronics insurance claims... An Arizona resident must hold an insurance adjuster license. A person who resides in another state that licenses insurance adjusters must hold a resident insurance adjuster license in that state and become licensed as a nonresident insurance adjuster in Arizona. A person who resides in another state that does not license adjusters but is allowed to adjust portable electronics insurance claims in that state must become licensed in Arizona as a portable electronics insurance adjuster. A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state must become licensed in Arizona as a portable electronics insurance adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Portable Electronics Adjusters The following are requirements for an individual applying for or renewing a portable electronics adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Fingerprints: Pursuant to A.R.S. §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Department if you are an Arizona resident who does not already hold an Arizona insurance license requiring prints, you are relocating to Arizona, or you reside in a state that does not issue this type of license. Fingerprints will be checked against AZDPS and FBI criminal history databases. You can submit your initial application online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or by submitting a paper NAIC uniform license application. NIPR applications are processed more quickly. Renewal Application Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Use NIPR ⧉(opens in a new tab) to update your information and renew; OR Download, complete, sign, and submit Form L-191 with your fee payment. Required Fees (Non-refundable) License / Renewal Fee: $120.00 FBI Fingerprint Processing Fee: $22.00 (Only if required for an initial application. This is separate from the fee charged by the fingerprinting facility.) Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Business Entity Portable Electronics Adjusters The following are requirements for a business entity applying for or renewing a portable electronics adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or submit a paper application (Form L-192 for renewals). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) License / Renewal Fee: $120.00 Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Compliance & Maintenance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Responsible Producer: Complete Form L-CHG to report a new designated responsible licensed producer or adjuster. Name Change: Complete Form L-CHG. Arizona residents must include a copy of the front and back of their new AZ Driver License or ID. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Report Administrative or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. Post-Submission Process (All Portable Electronics Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Bail Bond Agent What Is a Bail Bond Agent? A bail bond agent is an individual or business appointed by a surety company to execute or countersign the insurer's bail bonds in connection with criminal judicial proceedings. A.R.S. § 20-340(2) ⧉(opens in a new tab). When a person is arrested or confined for an actual or alleged violation of federal, state or local criminal law, the court may provide the defendant an opportunity to be released on bail. Bail is an amount deposited with and held by a court as a guarantee that the defendant will appear in court when required by law and will obey orders and judgments of the court. Bail can always be paid in cash. Rather than requiring a cash deposit, a court will sometimes accept bail in the form of a financial guaranty from a surety company, called a bail bond. With a bail bond, an indemnitor pays the bail bond agent an insurance premium for the bail bond and provides the surety company (through the bail bond agent) collateral that has a value that will cover the bail amount if the defendant violates the court's conditions of release. If the defendant appears in court when required, the surety company must return the collateral to the indemnitor. A.R.S. § 20-340.03(A)(6) ⧉(opens in a new tab). If the court finds that the defendant failed to appear without good cause, the court will issue an order causing the person who posted bail to forfeit the bail to the court. If the court accepted a bail bond in lieu of cash, the surety company must pay the bail amount to the court, but has the opportunity to recover the bail amount by apprehending the defendant. The surety company may utilize a bail bond agent or bail recovery agent to arrest the defendant. A.R.S. § 13-3885(A) and (G) ⧉(opens in a new tab). A bail bond does not include civil bonds in connection with contracts or administrative proceedings, immigration bonds or bonds that provide guarantees for other noncriminal matters. Who Must Be Licensed? An individual or business entity must be an Arizona-licensed bail bond agent in order to act as a bail bond agent. A.R.S. § 20-340.01(A) ⧉(opens in a new tab). A bail bond agent is not authorized to transact civil bonds in connection with contracts, administrative proceedings or other noncriminal matters in Arizona (unless the person is also licensed as a property and casualty producer in Arizona). A.R.S. § 20-340.01(D) ⧉(opens in a new tab). Note: The Department of Insurance cannot issue a bail bond agent license until it receives the results of the required federal and state criminal records check, which can take up to 4 months from the license application date. A.R.S. § 20-340.01(B) ⧉(opens in a new tab). Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Bail Bond Agents The following are requirements for an individual applying for or renewing a bail bond agent license: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Examination: You generally must pass an Arizona insurance examination administered by PSI ⧉(opens in a new tab) if you are an Arizona resident or relocating from a state where you did not hold this license. Note: You are limited to four attempts per 12-month period. Once passed, you must apply for the license within one year. The statutory incorporation in § 20-340.06 applies § 20-288(B), not its interstate exemption in subsection A.
Residency
Affidavit attesting to at least one year of Arizona residency immediately before application (§ 20-340.01(A)).
Score Window
Pass within the year before DIFI receives the application; § 20-284(B) extends the period for active military service up to a total of 1.5 years with military documentation.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Same license application by a recent Arizona license holder
No examination is required for this applicant pathway.
Application
Submit the NAIC uniform application on paper or through NIPR; provide identity, personal-history and business information. Initial license fee $120 and fingerprint processing $22 when required.
Attempt Limit
No examination attempt applies to this exempt route.
Fingerprints
Full fingerprints and completed state and federal criminal-history checks before issuance (§ 20-340.01(B)).
Fitness
Do not have disqualifying acts under § 20-295; comply with application background disclosures and the applicable written-consent requirement for prohibited insurance participation.
Lawful Presence
DIFI requires Form L-152 and identification. Its bail-agent page includes an exception worded for a home-state adjuster; this wording does not waive the bail-agent residency statute.
Minimum Age
At least 18 years old (A.R.S. § 20-285(B)(1)).
Oral Supplement
Under § 20-284(D), the director may supplement a written examination with an oral examination. No separately identified registered oral examination is established.
Recent Holding
Applicant held the same non-temporary Arizona license covering the same authority within the preceding 12 months (§ 20-288(B)(2)).
Relocation Wording
DIFI, Individual Bail Bond Agents / Examination, states: Examination: You generally must pass an Arizona insurance examination (administered by PSI ⧉(opens in a new tab)) for the license authority you want if your primary residence/business is in Arizona, or if you relocate from a state where you did not hold this license. Arizona law limits you to four attempts within a one-year period. Once passed, you must apply within one year. (A.R.S. § 20-284 ⧉(opens in a new tab)). Note that exemptions apply for certain limited lines, variable life/annuity producers (with FINRA), navigators/CACs (with federal certification), and non-residents licensed in their home state. Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)). Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required. Business Entity License Application The following are requirements for a business entity applying to become an insurance producer. The requirements apply to both resident and nonresident businesses except as otherwise noted: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00. Assumed Name / DBA: If you intend to do business under a name other than your genuine legal name, complete and submit Form L-193 (Certificate of Assumed Name). License Compliance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. Complete Form L-CHG to report a new designated responsible licensed producer. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Name Change: Arizona residents must submit Form L-CHG with a copy of both sides of their newly issued AZ Driver License or ID showing the new name. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Assumed Name / DBA If you intend to do business under a name other than your legal name, complete and submit Form L-193 (Certificate of Assumed Business Name). Protect your assumed name by also registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name. Report Administrative Actions or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. License Renewal All insurance professionals (both residents and nonresidents) can renew licenses, apply for licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR renewal applications are easy to complete, and we can usually process them faster than applications that are mailed to us. NIPR charges a small transaction fee (around $5 to $7) to process a license application and fee payment. Many people have found that the added convenience plus the time and postage savings are worth paying the fee. Note: You can use NIPR for free to change an address, email address, or phone number! Post-Submission Process Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed.   Continuing Education Arizona resident licensed insurance producers with a major line of authority (life, accident and health, property, casualty, or personal lines insurance) are required to complete 48 hours of continuing education (CE) every four years to maintain their license. Key Continuing Education Requirements: Total Hours: 48 hours of CE are required per four-year licensing period. Ethics: A minimum of six of the 48 hours must be in the subject of ethics. Renewal Period: Licenses are renewed every four years, with the expiration falling on the last day of the licensee's birth month. Required CE must be completed prior to submitting your renewal application. See Complete Requirements and FAQ ⧉(opens in a new tab) Adjuster What Is an Adjuster? An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321 ⧉(opens in a new tab). "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. "Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer. A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. A.R.S. § 20-321(1)(b)(ii) ⧉(opens in a new tab). Who Must Be Licensed? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (A.R.S. § 20-321 ⧉(opens in a new tab)): You are a licensed attorney qualified to practice law in Arizona; You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination; You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold; You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc. Both of the following two conditions apply: You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. A.R.S. § 20-321.01(D) ⧉(opens in a new tab). Note: Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Adjusters The following are requirements for an individual applying for or renewing an insurance adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR online applications are processed more quickly than applications submitted on paper. Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Business Entity Adjusters The following are requirements for a business entity applying for or renewing an insurance adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Post-Submission Process (All Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Portable Electronics Adjuster What Is a Portable Electronics Adjuster? A portable electronics adjuster is a person licensed in Arizona to adjust only portable electronics insurance claims. The person must either be: A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state; or, A resident of another state who is not licensed as an insurance adjuster, but is permitted to adjust portable electronics insurance claims in the resident state. Who Must Be Licensed? To adjust portable electronics insurance claims... An Arizona resident must hold an insurance adjuster license. A person who resides in another state that licenses insurance adjusters must hold a resident insurance adjuster license in that state and become licensed as a nonresident insurance adjuster in Arizona. A person who resides in another state that does not license adjusters but is allowed to adjust portable electronics insurance claims in that state must become licensed in Arizona as a portable electronics insurance adjuster. A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state must become licensed in Arizona as a portable electronics insurance adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Portable Electronics Adjusters The following are requirements for an individual applying for or renewing a portable electronics adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Fingerprints: Pursuant to A.R.S. §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Department if you are an Arizona resident who does not already hold an Arizona insurance license requiring prints, you are relocating to Arizona, or you reside in a state that does not issue this type of license. Fingerprints will be checked against AZDPS and FBI criminal history databases. You can submit your initial application online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or by submitting a paper NAIC uniform license application. NIPR applications are processed more quickly. Renewal Application Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Use NIPR ⧉(opens in a new tab) to update your information and renew; OR Download, complete, sign, and submit Form L-191 with your fee payment. Required Fees (Non-refundable) License / Renewal Fee: $120.00 FBI Fingerprint Processing Fee: $22.00 (Only if required for an initial application. This is separate from the fee charged by the fingerprinting facility.) Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Business Entity Portable Electronics Adjusters The following are requirements for a business entity applying for or renewing a portable electronics adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or submit a paper application (Form L-192 for renewals). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) License / Renewal Fee: $120.00 Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Compliance & Maintenance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Responsible Producer: Complete Form L-CHG to report a new designated responsible licensed producer or adjuster. Name Change: Complete Form L-CHG. Arizona residents must include a copy of the front and back of their new AZ Driver License or ID. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Report Administrative or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. Post-Submission Process (All Portable Electronics Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Bail Bond Agent What Is a Bail Bond Agent? A bail bond agent is an individual or business appointed by a surety company to execute or countersign the insurer's bail bonds in connection with criminal judicial proceedings. A.R.S. § 20-340(2) ⧉(opens in a new tab). When a person is arrested or confined for an actual or alleged violation of federal, state or local criminal law, the court may provide the defendant an opportunity to be released on bail. Bail is an amount deposited with and held by a court as a guarantee that the defendant will appear in court when required by law and will obey orders and judgments of the court. Bail can always be paid in cash. Rather than requiring a cash deposit, a court will sometimes accept bail in the form of a financial guaranty from a surety company, called a bail bond. With a bail bond, an indemnitor pays the bail bond agent an insurance premium for the bail bond and provides the surety company (through the bail bond agent) collateral that has a value that will cover the bail amount if the defendant violates the court's conditions of release. If the defendant appears in court when required, the surety company must return the collateral to the indemnitor. A.R.S. § 20-340.03(A)(6) ⧉(opens in a new tab). If the court finds that the defendant failed to appear without good cause, the court will issue an order causing the person who posted bail to forfeit the bail to the court. If the court accepted a bail bond in lieu of cash, the surety company must pay the bail amount to the court, but has the opportunity to recover the bail amount by apprehending the defendant. The surety company may utilize a bail bond agent or bail recovery agent to arrest the defendant. A.R.S. § 13-3885(A) and (G) ⧉(opens in a new tab). A bail bond does not include civil bonds in connection with contracts or administrative proceedings, immigration bonds or bonds that provide guarantees for other noncriminal matters. Who Must Be Licensed? An individual or business entity must be an Arizona-licensed bail bond agent in order to act as a bail bond agent. A.R.S. § 20-340.01(A) ⧉(opens in a new tab). A bail bond agent is not authorized to transact civil bonds in connection with contracts, administrative proceedings or other noncriminal matters in Arizona (unless the person is also licensed as a property and casualty producer in Arizona). A.R.S. § 20-340.01(D) ⧉(opens in a new tab). Note: The Department of Insurance cannot issue a bail bond agent license until it receives the results of the required federal and state criminal records check, which can take up to 4 months from the license application date. A.R.S. § 20-340.01(B) ⧉(opens in a new tab). Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Bail Bond Agents The following are requirements for an individual applying for or renewing a bail bond agent license: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Examination: You generally must pass an Arizona insurance examination administered by PSI ⧉(opens in a new tab) if you are an Arizona resident or relocating from a state where you did not hold this license. Note: You are limited to four attempts per 12-month period. Once passed, you must apply for the license within one year. The statutory incorporation in § 20-340.06 applies § 20-288(B), not its interstate exemption in subsection A.
Residency
Affidavit attesting to at least one year of Arizona residency immediately before application (§ 20-340.01(A)).
Score Window
Examination exempt for the specified recent-license applicant under § 20-288(B)(2).
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).

Official no-examination sources

Effective from 2026-09-22.

Timely renewal
No examination is required for this applicant pathway.
Application
Complete the renewal form via NIPR or Form L-191 (individual) / L-192 (business entity) and pay the $120 fee before expiration.
Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Continuing Education
No insurance continuing education is required for bail bond agents, as DIFI and the PSI bulletin expressly state.
Verification
DIFI may request verifying documents and fingerprints before renewal (§ 20-289(D)).

Official no-examination sources

Effective from 2026-09-22.

New licensure after revocation
Arizona Examination for Bail Bond Agent
Application
Submit the NAIC uniform application on paper or through NIPR; provide identity, personal-history and business information. Initial license fee $120 and fingerprint processing $22 when required.
Attempt Limit
At most four attempts in 12 months; after the fourth failure, wait one year before another attempt (§ 20-284(H)).
Fingerprints
Full fingerprints and completed state and federal criminal-history checks before issuance (§ 20-340.01(B)).
Fitness
Do not have disqualifying acts under § 20-295; comply with application background disclosures and the applicable written-consent requirement for prohibited insurance participation.
Lawful Presence
DIFI requires Form L-152 and identification. Its bail-agent page includes an exception worded for a home-state adjuster; this wording does not waive the bail-agent residency statute.
Minimum Age
At least 18 years old (A.R.S. § 20-285(B)(1)).
Oral Supplement
Under § 20-284(D), the director may supplement a written examination with an oral examination. No separately identified registered oral examination is established.
Relocation Wording
DIFI, Individual Bail Bond Agents / Examination, states: Examination: You generally must pass an Arizona insurance examination (administered by PSI ⧉(opens in a new tab)) for the license authority you want if your primary residence/business is in Arizona, or if you relocate from a state where you did not hold this license. Arizona law limits you to four attempts within a one-year period. Once passed, you must apply within one year. (A.R.S. § 20-284 ⧉(opens in a new tab)). Note that exemptions apply for certain limited lines, variable life/annuity producers (with FINRA), navigators/CACs (with federal certification), and non-residents licensed in their home state. Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)). Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required. Business Entity License Application The following are requirements for a business entity applying to become an insurance producer. The requirements apply to both resident and nonresident businesses except as otherwise noted: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00. Assumed Name / DBA: If you intend to do business under a name other than your genuine legal name, complete and submit Form L-193 (Certificate of Assumed Name). License Compliance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. Complete Form L-CHG to report a new designated responsible licensed producer. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Name Change: Arizona residents must submit Form L-CHG with a copy of both sides of their newly issued AZ Driver License or ID showing the new name. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Assumed Name / DBA If you intend to do business under a name other than your legal name, complete and submit Form L-193 (Certificate of Assumed Business Name). Protect your assumed name by also registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name. Report Administrative Actions or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. License Renewal All insurance professionals (both residents and nonresidents) can renew licenses, apply for licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR renewal applications are easy to complete, and we can usually process them faster than applications that are mailed to us. NIPR charges a small transaction fee (around $5 to $7) to process a license application and fee payment. Many people have found that the added convenience plus the time and postage savings are worth paying the fee. Note: You can use NIPR for free to change an address, email address, or phone number! Post-Submission Process Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed.   Continuing Education Arizona resident licensed insurance producers with a major line of authority (life, accident and health, property, casualty, or personal lines insurance) are required to complete 48 hours of continuing education (CE) every four years to maintain their license. Key Continuing Education Requirements: Total Hours: 48 hours of CE are required per four-year licensing period. Ethics: A minimum of six of the 48 hours must be in the subject of ethics. Renewal Period: Licenses are renewed every four years, with the expiration falling on the last day of the licensee's birth month. Required CE must be completed prior to submitting your renewal application. See Complete Requirements and FAQ ⧉(opens in a new tab) Adjuster What Is an Adjuster? An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321 ⧉(opens in a new tab). "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. "Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer. A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. A.R.S. § 20-321(1)(b)(ii) ⧉(opens in a new tab). Who Must Be Licensed? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (A.R.S. § 20-321 ⧉(opens in a new tab)): You are a licensed attorney qualified to practice law in Arizona; You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination; You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold; You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc. Both of the following two conditions apply: You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. A.R.S. § 20-321.01(D) ⧉(opens in a new tab). Note: Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Adjusters The following are requirements for an individual applying for or renewing an insurance adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR online applications are processed more quickly than applications submitted on paper. Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Business Entity Adjusters The following are requirements for a business entity applying for or renewing an insurance adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Post-Submission Process (All Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Portable Electronics Adjuster What Is a Portable Electronics Adjuster? A portable electronics adjuster is a person licensed in Arizona to adjust only portable electronics insurance claims. The person must either be: A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state; or, A resident of another state who is not licensed as an insurance adjuster, but is permitted to adjust portable electronics insurance claims in the resident state. Who Must Be Licensed? To adjust portable electronics insurance claims... An Arizona resident must hold an insurance adjuster license. A person who resides in another state that licenses insurance adjusters must hold a resident insurance adjuster license in that state and become licensed as a nonresident insurance adjuster in Arizona. A person who resides in another state that does not license adjusters but is allowed to adjust portable electronics insurance claims in that state must become licensed in Arizona as a portable electronics insurance adjuster. A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state must become licensed in Arizona as a portable electronics insurance adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Portable Electronics Adjusters The following are requirements for an individual applying for or renewing a portable electronics adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Fingerprints: Pursuant to A.R.S. §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Department if you are an Arizona resident who does not already hold an Arizona insurance license requiring prints, you are relocating to Arizona, or you reside in a state that does not issue this type of license. Fingerprints will be checked against AZDPS and FBI criminal history databases. You can submit your initial application online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or by submitting a paper NAIC uniform license application. NIPR applications are processed more quickly. Renewal Application Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Use NIPR ⧉(opens in a new tab) to update your information and renew; OR Download, complete, sign, and submit Form L-191 with your fee payment. Required Fees (Non-refundable) License / Renewal Fee: $120.00 FBI Fingerprint Processing Fee: $22.00 (Only if required for an initial application. This is separate from the fee charged by the fingerprinting facility.) Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Business Entity Portable Electronics Adjusters The following are requirements for a business entity applying for or renewing a portable electronics adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or submit a paper application (Form L-192 for renewals). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) License / Renewal Fee: $120.00 Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Compliance & Maintenance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Responsible Producer: Complete Form L-CHG to report a new designated responsible licensed producer or adjuster. Name Change: Complete Form L-CHG. Arizona residents must include a copy of the front and back of their new AZ Driver License or ID. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Report Administrative or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. Post-Submission Process (All Portable Electronics Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Bail Bond Agent What Is a Bail Bond Agent? A bail bond agent is an individual or business appointed by a surety company to execute or countersign the insurer's bail bonds in connection with criminal judicial proceedings. A.R.S. § 20-340(2) ⧉(opens in a new tab). When a person is arrested or confined for an actual or alleged violation of federal, state or local criminal law, the court may provide the defendant an opportunity to be released on bail. Bail is an amount deposited with and held by a court as a guarantee that the defendant will appear in court when required by law and will obey orders and judgments of the court. Bail can always be paid in cash. Rather than requiring a cash deposit, a court will sometimes accept bail in the form of a financial guaranty from a surety company, called a bail bond. With a bail bond, an indemnitor pays the bail bond agent an insurance premium for the bail bond and provides the surety company (through the bail bond agent) collateral that has a value that will cover the bail amount if the defendant violates the court's conditions of release. If the defendant appears in court when required, the surety company must return the collateral to the indemnitor. A.R.S. § 20-340.03(A)(6) ⧉(opens in a new tab). If the court finds that the defendant failed to appear without good cause, the court will issue an order causing the person who posted bail to forfeit the bail to the court. If the court accepted a bail bond in lieu of cash, the surety company must pay the bail amount to the court, but has the opportunity to recover the bail amount by apprehending the defendant. The surety company may utilize a bail bond agent or bail recovery agent to arrest the defendant. A.R.S. § 13-3885(A) and (G) ⧉(opens in a new tab). A bail bond does not include civil bonds in connection with contracts or administrative proceedings, immigration bonds or bonds that provide guarantees for other noncriminal matters. Who Must Be Licensed? An individual or business entity must be an Arizona-licensed bail bond agent in order to act as a bail bond agent. A.R.S. § 20-340.01(A) ⧉(opens in a new tab). A bail bond agent is not authorized to transact civil bonds in connection with contracts, administrative proceedings or other noncriminal matters in Arizona (unless the person is also licensed as a property and casualty producer in Arizona). A.R.S. § 20-340.01(D) ⧉(opens in a new tab). Note: The Department of Insurance cannot issue a bail bond agent license until it receives the results of the required federal and state criminal records check, which can take up to 4 months from the license application date. A.R.S. § 20-340.01(B) ⧉(opens in a new tab). Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Bail Bond Agents The following are requirements for an individual applying for or renewing a bail bond agent license: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Examination: You generally must pass an Arizona insurance examination administered by PSI ⧉(opens in a new tab) if you are an Arizona resident or relocating from a state where you did not hold this license. Note: You are limited to four attempts per 12-month period. Once passed, you must apply for the license within one year. The statutory incorporation in § 20-340.06 applies § 20-288(B), not its interstate exemption in subsection A.
Residency
Affidavit attesting to at least one year of Arizona residency immediately before application (§ 20-340.01(A)).
Revocation
Wait at least one year after revocation and again qualify under the applicable licensing statutes (§ 20-296(A)).
Score Window
Pass within the year before DIFI receives the application; § 20-284(B) extends the period for active military service up to a total of 1.5 years with military documentation.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Reapplication after voluntary surrender
Arizona Examination for Bail Bond Agent
Application
Submit the NAIC uniform application on paper or through NIPR; provide identity, personal-history and business information. Initial license fee $120 and fingerprint processing $22 when required.
Attempt Limit
At most four attempts in 12 months; after the fourth failure, wait one year before another attempt (§ 20-284(H)).
Fingerprints
Full fingerprints and completed state and federal criminal-history checks before issuance (§ 20-340.01(B)).
Fitness
Do not have disqualifying acts under § 20-295; comply with application background disclosures and the applicable written-consent requirement for prohibited insurance participation.
Lawful Presence
DIFI requires Form L-152 and identification. Its bail-agent page includes an exception worded for a home-state adjuster; this wording does not waive the bail-agent residency statute.
Minimum Age
At least 18 years old (A.R.S. § 20-285(B)(1)).
Oral Supplement
Under § 20-284(D), the director may supplement a written examination with an oral examination. No separately identified registered oral examination is established.
Recent Exemption
Section 20-288(B)(2) exempts qualifying recent holders; if that exception is applicable, the applicant may be excused. The examination remains mounted because § 20-289(F) separately requires initial-applicant qualification.
Relocation Wording
DIFI, Individual Bail Bond Agents / Examination, states: Examination: You generally must pass an Arizona insurance examination (administered by PSI ⧉(opens in a new tab)) for the license authority you want if your primary residence/business is in Arizona, or if you relocate from a state where you did not hold this license. Arizona law limits you to four attempts within a one-year period. Once passed, you must apply within one year. (A.R.S. § 20-284 ⧉(opens in a new tab)). Note that exemptions apply for certain limited lines, variable life/annuity producers (with FINRA), navigators/CACs (with federal certification), and non-residents licensed in their home state. Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)). Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required. Business Entity License Application The following are requirements for a business entity applying to become an insurance producer. The requirements apply to both resident and nonresident businesses except as otherwise noted: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00. Assumed Name / DBA: If you intend to do business under a name other than your genuine legal name, complete and submit Form L-193 (Certificate of Assumed Name). License Compliance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. Complete Form L-CHG to report a new designated responsible licensed producer. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Name Change: Arizona residents must submit Form L-CHG with a copy of both sides of their newly issued AZ Driver License or ID showing the new name. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Assumed Name / DBA If you intend to do business under a name other than your legal name, complete and submit Form L-193 (Certificate of Assumed Business Name). Protect your assumed name by also registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name. Report Administrative Actions or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. License Renewal All insurance professionals (both residents and nonresidents) can renew licenses, apply for licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR renewal applications are easy to complete, and we can usually process them faster than applications that are mailed to us. NIPR charges a small transaction fee (around $5 to $7) to process a license application and fee payment. Many people have found that the added convenience plus the time and postage savings are worth paying the fee. Note: You can use NIPR for free to change an address, email address, or phone number! Post-Submission Process Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed.   Continuing Education Arizona resident licensed insurance producers with a major line of authority (life, accident and health, property, casualty, or personal lines insurance) are required to complete 48 hours of continuing education (CE) every four years to maintain their license. Key Continuing Education Requirements: Total Hours: 48 hours of CE are required per four-year licensing period. Ethics: A minimum of six of the 48 hours must be in the subject of ethics. Renewal Period: Licenses are renewed every four years, with the expiration falling on the last day of the licensee's birth month. Required CE must be completed prior to submitting your renewal application. See Complete Requirements and FAQ ⧉(opens in a new tab) Adjuster What Is an Adjuster? An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321 ⧉(opens in a new tab). "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured. "Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer. A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. A.R.S. § 20-321(1)(b)(ii) ⧉(opens in a new tab). Who Must Be Licensed? You (individual or business entity) must be an Arizona-licensed adjuster in order to act as an adjuster or to hold yourself out to act as an adjuster unless the scope of your activities is limited to one or more of the following conditions (A.R.S. § 20-321 ⧉(opens in a new tab)): You are a licensed attorney qualified to practice law in Arizona; You are a salaried employee of an insurer or managing general agent whose compensation is not contingent on the outcome of a claim determination; You are an Arizona-licensed insurance producer and you only perform adjuster activities for losses under policies you sold; You are an independent contractor retained by an adjuster to provide technical assistance in connection with a claim, such as photography, estimation, engineering, private detection, handwriting evaluation, etc. Both of the following two conditions apply: You are licensed or otherwise permitted to act as an adjuster in your domicile state, AND An insurer sends you to Arizona to investigate or adjust a particular loss under an insurance policy or a series of losses resulting from a catastrophe common to all those losses. A.R.S. § 20-321.01(D) ⧉(opens in a new tab). Note: Individuals who act as adjusters or hold themselves out to be adjusters must be individually licensed, even if they work for a business-entity adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Adjusters The following are requirements for an individual applying for or renewing an insurance adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). NIPR online applications are processed more quickly than applications submitted on paper. Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Business Entity Adjusters The following are requirements for a business entity applying for or renewing an insurance adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) Base Fee: $120.00 for each class of license Additional Fees: Add $500.00 if also renewing life settlement broker authority Add $1,000.00 if also renewing surplus lines broker authority Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Post-Submission Process (All Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Portable Electronics Adjuster What Is a Portable Electronics Adjuster? A portable electronics adjuster is a person licensed in Arizona to adjust only portable electronics insurance claims. The person must either be: A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state; or, A resident of another state who is not licensed as an insurance adjuster, but is permitted to adjust portable electronics insurance claims in the resident state. Who Must Be Licensed? To adjust portable electronics insurance claims... An Arizona resident must hold an insurance adjuster license. A person who resides in another state that licenses insurance adjusters must hold a resident insurance adjuster license in that state and become licensed as a nonresident insurance adjuster in Arizona. A person who resides in another state that does not license adjusters but is allowed to adjust portable electronics insurance claims in that state must become licensed in Arizona as a portable electronics insurance adjuster. A resident of Canada who holds an adjuster license in another state that permits the person to adjust portable electronics insurance in that state must become licensed in Arizona as a portable electronics insurance adjuster. Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Portable Electronics Adjusters The following are requirements for an individual applying for or renewing a portable electronics adjuster license. The requirements apply to both Arizona residents and residents of other states ("nonresidents") except as otherwise noted: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Fingerprints: Pursuant to A.R.S. §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Department if you are an Arizona resident who does not already hold an Arizona insurance license requiring prints, you are relocating to Arizona, or you reside in a state that does not issue this type of license. Fingerprints will be checked against AZDPS and FBI criminal history databases. You can submit your initial application online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or by submitting a paper NAIC uniform license application. NIPR applications are processed more quickly. Renewal Application Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Use NIPR ⧉(opens in a new tab) to update your information and renew; OR Download, complete, sign, and submit Form L-191 with your fee payment. Required Fees (Non-refundable) License / Renewal Fee: $120.00 FBI Fingerprint Processing Fee: $22.00 (Only if required for an initial application. This is separate from the fee charged by the fingerprinting facility.) Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Business Entity Portable Electronics Adjusters The following are requirements for a business entity applying for or renewing a portable electronics adjuster license. The requirements apply to both resident and nonresident business entities except as otherwise noted: Initial Application & Renewal You can submit your initial application or renew your license online through the National Insurance Producer Registry (NIPR) ⧉(opens in a new tab) or submit a paper application (Form L-192 for renewals). Don't Delay Your Renewal! You may renew your license up to 90 days before your license expiration date. If the Department does not receive a complete renewal application and fee on or before the expiration date, your license will expire, you must stop conducting business, and you will be required to pay an additional $100 late renewal fee. Required Fees (Non-refundable) License / Renewal Fee: $120.00 Additional Fees: Add $500.00 if also renewing life settlement broker authority; Add $1,000.00 if also renewing surplus lines broker authority. Form L-193: Certificate of Assumed Name Use this form for each name, other than your genuine legal name, that you intend to use in conjunction with your insurance business. If you have established a business entity and want to use the name of the business entity in conjunction with your insurance transactions, the business entity must also hold an insurance license. Compliance & Maintenance Report Changes to Name, Address, or Personnel A.R.S. § 20-286(C) ⧉(opens in a new tab) requires you to report the following changes within 30 days: Address/Phone/Email: Change your residential, mailing, or business contact information using the NIPR Contact Change Request ⧉(opens in a new tab) (offered at no charge). Business Entity Personnel: Complete Form L-177 to report a new member, officer, or director. For Arizona-resident entities, each new member/officer must also submit fingerprints (Form L-FPV). Responsible Producer: Complete Form L-CHG to report a new designated responsible licensed producer or adjuster. Name Change: Complete Form L-CHG. Arizona residents must include a copy of the front and back of their new AZ Driver License or ID. Nonresidents must first execute the name change in their home state before submitting Form L-CHG to Arizona. Report Administrative or Criminal Prosecution A.R.S. § 20-301 ⧉(opens in a new tab) requires you to report: Administrative Actions: Any action taken against the licensee in any jurisdiction must be reported within 30 days of the final disposition. You must include a copy of the order, consent to order, or relevant document. Criminal Prosecution: Any criminal prosecution in any jurisdiction must be reported within 30 days after the initial pretrial hearing. You must include a copy of the initial complaint, the hearing order, and all other relevant legal documents. Submit documents online via the NIPR Attachments Warehouse ⧉(opens in a new tab) or mail them to the DIFI Licensing Section. License Expiration vs. License Surrender If you no longer wish to be licensed or involved in a line of authority, you can either allow it to expire at renewal time, or you can formally surrender it. Important: Surrendering a license is irrevocable. If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year. Post-Submission Process (All Portable Electronics Adjusters) Application Review Outcomes We will review your application and you will receive one of the following: Approval Notice: A notice telling you that your application was approved. Use License Search to view your license on our website to ensure that your license information appears correctly. Use NIPR to correct or update information. Denial Notice: A notice telling you that your application was denied. The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision. Deficiency Notice: A notice telling you that your application was deficient. This notice will be emailed to you. You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions. You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid. View Your License Your license will be available from the License Search ⧉(opens in a new tab) option on this website as soon as the Arizona Department of Insurance and Financial Institutions verifies you meet all license requirements. We do not produce paper license certificates. License applications can take up to one month to process. You must not conduct insurance business until you are licensed. Bail Bond Agent What Is a Bail Bond Agent? A bail bond agent is an individual or business appointed by a surety company to execute or countersign the insurer's bail bonds in connection with criminal judicial proceedings. A.R.S. § 20-340(2) ⧉(opens in a new tab). When a person is arrested or confined for an actual or alleged violation of federal, state or local criminal law, the court may provide the defendant an opportunity to be released on bail. Bail is an amount deposited with and held by a court as a guarantee that the defendant will appear in court when required by law and will obey orders and judgments of the court. Bail can always be paid in cash. Rather than requiring a cash deposit, a court will sometimes accept bail in the form of a financial guaranty from a surety company, called a bail bond. With a bail bond, an indemnitor pays the bail bond agent an insurance premium for the bail bond and provides the surety company (through the bail bond agent) collateral that has a value that will cover the bail amount if the defendant violates the court's conditions of release. If the defendant appears in court when required, the surety company must return the collateral to the indemnitor. A.R.S. § 20-340.03(A)(6) ⧉(opens in a new tab). If the court finds that the defendant failed to appear without good cause, the court will issue an order causing the person who posted bail to forfeit the bail to the court. If the court accepted a bail bond in lieu of cash, the surety company must pay the bail amount to the court, but has the opportunity to recover the bail amount by apprehending the defendant. The surety company may utilize a bail bond agent or bail recovery agent to arrest the defendant. A.R.S. § 13-3885(A) and (G) ⧉(opens in a new tab). A bail bond does not include civil bonds in connection with contracts or administrative proceedings, immigration bonds or bonds that provide guarantees for other noncriminal matters. Who Must Be Licensed? An individual or business entity must be an Arizona-licensed bail bond agent in order to act as a bail bond agent. A.R.S. § 20-340.01(A) ⧉(opens in a new tab). A bail bond agent is not authorized to transact civil bonds in connection with contracts, administrative proceedings or other noncriminal matters in Arizona (unless the person is also licensed as a property and casualty producer in Arizona). A.R.S. § 20-340.01(D) ⧉(opens in a new tab). Note: The Department of Insurance cannot issue a bail bond agent license until it receives the results of the required federal and state criminal records check, which can take up to 4 months from the license application date. A.R.S. § 20-340.01(B) ⧉(opens in a new tab). Continuing Education CONTINUING EDUCATION NOT REQUIRED Arizona law does not require you to complete insurance continuing education. However, insurance professionals are expected to continually improve subject-matter knowledge in order to provide the best service to customers and to remain abreast of changes to Arizona law and evolving insurance products and industry standards. Individual Bail Bond Agents The following are requirements for an individual applying for or renewing a bail bond agent license: Qualifications & Initial Application Age: You must be at least 18 years old. Lawful Presence: Submit Form L-152 (A.R.S. § 41-1080 ⧉(opens in a new tab)) with one of the required forms of identification unless you reside outside Arizona and are licensed in good standing as an adjuster in your home state. Examination: You generally must pass an Arizona insurance examination administered by PSI ⧉(opens in a new tab) if you are an Arizona resident or relocating from a state where you did not hold this license. Note: You are limited to four attempts per 12-month period. Once passed, you must apply for the license within one year. The statutory incorporation in § 20-340.06 applies § 20-288(B), not its interstate exemption in subsection A.
Residency
Affidavit attesting to at least one year of Arizona residency immediately before application (§ 20-340.01(A)).
Score Window
Pass within the year before DIFI receives the application; § 20-284(B) extends the period for active military service up to a total of 1.5 years with military documentation.
Surety Bond
File and continuously maintain a $10,000 surety bond with the surety power of attorney, using Form L-195 (§ 20-340.02(A)).
Surrender
Meet the requirements for an applicant who has not held this license (§ 20-289(F)). DIFI also states a one-year wait before reapplying for surrendered authority.

Arizona Examination for Bail Bond Agent

Provider
PSI Services LLC
Format
Computer-delivered, closed-book examination
Exam questions
60 scored items, plus 5 to 10 unscored experimental questions
Time limit
1 hour
Passing score
70% correct
Exam fee
$42
Examination outline
  • Insurance Regulation (25%)
    • Licensing (Rule R20-6-601(C))
    • Licensing (Rule R20-6-601(C)) / License application requirements (20-285)
    • Licensing (Rule R20-6-601(C)) / Persons to be licensed (20-340, 340.01)
    • Licensing (Rule R20-6-601(C)) / Surety bond required (20-340.02)
    • Licensing (Rule R20-6-601(C)) / Maintenance and duration of license
    • Licensing (Rule R20-6-601(C)) / Maintenance and duration of license / Expiration, surrender and renewal (20-289)
    • Licensing (Rule R20-6-601(C)) / Maintenance and duration of license / Change of personal/business information (20-286(C))
    • Licensing (Rule R20-6-601(C)) / Maintenance and duration of license / Report of actions (20-301)
    • Licensing (Rule R20-6-601(C)) / Disciplinary actions
    • Licensing (Rule R20-6-601(C)) / Disciplinary actions / Denial, suspension, revocation or refusal to renew; civil penalties (20-295, 296)
    • Licensing (Rule R20-6-601(C)) / Disciplinary actions / Cease and desist order (20-292)
    • Agent regulation
    • Agent regulation / Director's general duties and powers (20-142, 340.05)
    • Agent regulation / Bail recovery agent (20-340, 340.04, RL 13-3885(C–G))
    • Agent regulation / Place of business (20-340.01(E))
    • Agent regulation / Business hours (20-340.01(H), R20-6-601(D)(8))
    • Agent regulation / Employees (Rule R20-6-601(D)(2, 3); RL 13-3885(D); 20-340.03(A)(9), (B))
    • Agent regulation / Records maintenance (20-340.01(D–H); Rule R20-6-601(D)(8))
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D))
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Solicitation where prisoners are confined
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Failure to act as fiduciary
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Nondisclosure of fees or charges
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Practice of law
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Referral of attorney
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Signing bond in blank
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Entry into an occupied residential structure (RL 13-3885(B)(1))
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Apprehension or arrest of Bailee (RL 13-3885(B)(2))
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Uniform/badge identification (RL 13-3885(B)(3))
    • Agent regulation / Prohibited conduct (20-340.03; Rule R20-6-601(D)) / Permitting others to apprehend or arrest (RL 13-3885(B)(4))
    • Agent regulation / Charges, refunds and rebates (20-340.03(D); Rule R20-6-601(E))
  • The Legal Framework (30%)
    • Authority
    • Authority / Express
    • Authority / Implied
    • Authority / Apparent
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Classifications of contracts
    • Contracts / Classifications of contracts / Formal and informal
    • Contracts / Classifications of contracts / Unilateral and bilateral
    • Contracts / Classifications of contracts / Executory and executed contracts
    • Contracts / Classifications of contracts / Express and implied
    • Concealment
    • Fraud
    • Court jurisdictions
    • Court jurisdictions / Original jurisdiction
    • Court jurisdictions / Original jurisdiction / Territorial
    • Court jurisdictions / Original jurisdiction / Subject-matter
    • Court jurisdictions / Original jurisdiction / Personal
    • Court jurisdictions / Appellate jurisdiction
    • Terminology
    • Terminology / Acquit
    • Terminology / Adjudicate
    • Terminology / Capital offense
    • Terminology / Collateral
    • Terminology / Conviction
    • Terminology / Custody
    • Terminology / Defendant
    • Terminology / Disposition
    • Terminology / Exoneration
    • Terminology / Extradition
    • Terminology / Felony
    • Terminology / Forfeiture
    • Terminology / Fugitive
    • Terminology / Hearing
    • Terminology / Incarceration
    • Terminology / Indictment
    • Terminology / Misdemeanor
    • Terminology / Recognizance
    • Terminology / Revoke
    • Terminology / Supervening indictment
    • Terminology / Suspend
    • Terminology / Warrant
    • Terminology / Writ
  • Bail Bond Principles and Practices (45%)
    • Parties to a surety bond
    • Parties to a surety bond / Principal
    • Parties to a surety bond / Indemnitor for principal
    • Parties to a surety bond / Indemnity agreement
    • Parties to a surety bond / Obligee
    • Parties to a surety bond / Surety
    • Duties of bail bond agent
    • Duties of bail bond agent / Approval
    • Duties of bail bond agent / Premium receipt (20-340.01(G)
    • Duties of bail bond agent / Power of attorney
    • Duties of bail bond agent / Collateral and trust obligations (Rule R20-6-601(E)(4))
    • Types of bonds
    • Types of bonds / Personal surety bond
    • Types of bonds / Corporate surety bond
    • Types of bonds / Criminal defendant bonds
    • Types of bonds / Criminal defendant bonds / Bail
    • Types of bonds / Criminal defendant bonds / Appeal
    • Types of bonds / Criminal defendant bonds / Supersedeas
    • Types of bonds / Criminal defendant bonds / Habeas corpus
    • Types of bonds / Criminal defendant bonds / Extradition
    • Types of bonds / Criminal defendant bonds / Property bond
    • Types of bonds / Criminal defendant bonds / Nonsurety/cash
    • Types of bonds / Criminal defendant bonds / Ten percent surety
    • Bonding procedure
    • Bonding procedure / Application for bond (Surety/defendant contract)
    • Bonding procedure / Collateral security
    • Bonding procedure / Surety contract
    • Bonding procedure / Posting the bond
    • Bonding procedure / Informational notice
    • Court procedures
    • Court procedures / Court appearances
    • Court procedures / Court appearances / Initial appearance
    • Court procedures / Court appearances / Trial
    • Court procedures / Court appearances / Appeal
    • Court procedures / Conditions of release
    • Court procedures / Conditions of release / Prior to trial
    • Court procedures / Conditions of release / Pending appeal
    • Court procedures / Failure to appear
    • Court procedures / Revocation of bail
    • Release of surety
    • Release of surety / Exoneration of bond
    • Release of surety / Return of collateral (20-340.03(A)(6); Rule R20-6-601(E)(4))
    • Surrender of principal (defendant)
    • Surrender of principal (defendant) / Return of premium (Rule R20-6-601(E)(5))
    • Bond forfeiture
    • Bond forfeiture / Motion
    • Bond forfeiture / Notice to defendant and sureties
    • Bond forfeiture / Judgment
    • Bond forfeiture / Dispersal of funds
    • Bond forfeiture / Time limit for appeals
    • Bond forfeiture / Arrest after forfeiture
Examination sources