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Montana Claims Adjuster — Requirements & Free Practice

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Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Adjuster

Insurer-side multi-line adjuster license. MCA 33-17-301 also permits qualified business entities. Statutory exclusions in MCA 33-17-102(1)(b) and the particular-loss/catastrophe exemption in MCA 33-17-301(5) are limited exemptions from this otherwise licensed profession. Temporary producer licenses and military inactive producer status are governed separately by MCA 33-17-216 and 33-17-219.

Licensing authority: Montana Commissioner of Securities and Insurance · Application information

Biennial renewal
No examination is required for this applicant pathway.
Certification and disclosure
File the biennial CE certification and report final administrative/criminal dispositions as prescribed by MCA 33-17-1205.
Class requirements
Maintain the class’s qualifications and, for public adjusters, the required bond and lawful contracts.
Education exceptions
Commissioner may grant a good-cause extension up to one year or exempt an individual under MCA 33-17-1203(2)-(3). CSI states nonresident adjusters whose residence has no CE requirements complete 24 hours and either Montana CE or a designated CE completion state.
Existing license
License issued under MCA 33-17-301 remains in force until lapse, suspension, revocation or termination.
Individual continuing education
Individuals complete 24 approved credits each 24 months, including at least 3 ethics credits and 1 on Montana legislative/rule changes (MCA 33-17-1203(1)(a)).
Renewal
Renew by the biennial renewal date and pay the appropriate renewal fee; statutory fee amount is established under MCA 33-2-708.

Official no-examination sources

Effective from 2026-09-22.

Montana designated home state qualification by examination
Multi-Line Adjuster
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Designated home state
This route qualifies with Montana as the designated home state; NIPR permits electronic ADHS applications. Another jurisdiction’s own examination is an applicant condition only when that jurisdiction is designated; this survey does not investigate it.
Examination result
Pass the corresponding Pearson VUE licensing examination. The handbook defines the passing score as a scaled score of 75.
Exemption inapplicable
Applicant does not satisfy the already-qualified nonresident exemption in MCA 33-17-301(4).
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Residence
Principal residence or business is in a state that does not offer adjuster licensure. Designate a home state in which no business or residence is maintained and qualify as if resident there (MCA 33-17-301(2)(b)(ii)).
Score age
NIPR Montana resident requirements state: "Montana exams are valid for one (1) year from the exam date." This is a score condition, not the end of the exam version.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Business entity licensure through separately licensed individuals
No examination is required for this applicant pathway.
Application
Apply in a commissioner-approved form. The NIPR nonresident adjuster page does not accept electronic business-entity submissions; contact CSI for the applicable application.
Entity
A business entity may be licensed whether or not organized under Montana law.
Public requirements
The entity and its representatives must comply with the license class applied for.
Representatives
Every individual exercising license powers is separately licensed for the relevant class under MCA 33-17-301(3); the individuals’ licenses are applicant conditions, with no new entity examination requirement.

Official no-examination sources

Effective from 2026-09-22.

Business entity licensure with named qualifying individuals
Multi-Line Adjuster
Entity
Business entity, whether or not organized under Montana law.
Individual qualifications
Each named individual must meet the age, residence/designated-home-state, character, background, office and record requirements of MCA 33-17-301(2).
Public requirements
Comply with the insurer-side class applied for.
Representatives
Each individual exercising license powers is named in the business entity license and qualified for the individual class under MCA 33-17-301(3). The corresponding licensing examination is taken by each named individual; examination exemptions apply to qualifying nonresident individuals under subsection (4).
Reissuance of a lapsed license within one year
No examination is required for this applicant pathway.
Continuing education
Meet applicable CE requirements and file certification; MCA 33-17-1205 prohibits conducting business under another license during lapse.
Discretion
Reissuance is permitted by the commissioner and is not automatic.
Lapsed license
Former Montana license lapsed, rather than revoked.
Time limit
Commissioner may reissue if reinstatement fee is paid and certification of completion of the preceding biennium’s CE is filed within one year of lapse (MCA 33-17-1002(2)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure with an active qualifying license
No examination is required for this applicant pathway.
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Implementation difference
Handbook p.4 states: "Successfully complete an exam unless, as a nonresident applicant, the applicant furnishes verification of good standing in his/her resident state and has passed a written examination in this state; and". MCA 33-17-301(4) controls the exemption. The handbook’s additional passing-exam wording is retained here so applicants can see and confirm what the implementing material says.
License status
Currently licensed in the other state; apply for a Montana nonresident license under MCA 33-17-301(4)(a)-(b).
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Other license
A license or a passing result from another jurisdiction is applicant evidence, not a leaf for a Montana route.
Residence
Satisfy the applicable nonresident or designated-home-state eligibility in MCA 33-17-301(2)(b).
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Statutory exemption
MCA 33-17-301(4)(a) provides that a qualifying nonresident "may not be required to complete any prelicensing education or examination requirements."

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure by examination without the statutory exemption
Multi-Line Adjuster
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Examination result
Pass the corresponding Pearson VUE licensing examination. The handbook defines the passing score as a scaled score of 75.
Exemption inapplicable
Does not satisfy the prior-license exemption in MCA 33-17-301(4).
Implementation difference
Handbook p.4 begins "Be a resident of Montana", while MCA 33-17-301(2)(b) expressly permits eligible nonresidents. The statute controls eligibility; the Board asks nonresident applicants to confirm requirements through NIPR.
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Residence
Resident of another state that permits Montana residents regularly to act as adjusters there (MCA 33-17-301(2)(b)(i)).
Score age
NIPR Montana resident requirements state: "Montana exams are valid for one (1) year from the exam date." This is a score condition, not the end of the exam version.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Nonresident reapplication after lapse with the statutory examination exemption
No examination is required for this applicant pathway.
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Implementation difference
Handbook p.4 states: "Successfully complete an exam unless, as a nonresident applicant, the applicant furnishes verification of good standing in his/her resident state and has passed a written examination in this state; and". MCA 33-17-301(4) controls the exemption. The handbook’s additional passing-exam wording is retained here so applicants can see and confirm what the implementing material says.
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
New application
Apply anew under MCA 33-17-301; the nonresident exemption in subsection (4) applies.
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Other license
A license or a passing result from another jurisdiction is applicant evidence, not a leaf for a Montana route.
Other license status
Currently licensed in another state, or application received within 90 days of its cancellation with official evidence of good standing at cancellation.
Prior license
Former Montana license has lapsed beyond the one-year reissuance window.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Statutory exemption
MCA 33-17-301(4)(a) provides that a qualifying nonresident "may not be required to complete any prelicensing education or examination requirements."

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure within 90 days of cancellation of the former license
No examination is required for this applicant pathway.
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Implementation difference
Handbook p.4 states: "Successfully complete an exam unless, as a nonresident applicant, the applicant furnishes verification of good standing in his/her resident state and has passed a written examination in this state; and". MCA 33-17-301(4) controls the exemption. The handbook’s additional passing-exam wording is retained here so applicants can see and confirm what the implementing material says.
License status
Montana application received within 90 days of cancellation of the former other-state license; that state’s certification or database must show good standing at cancellation (MCA 33-17-301(4)(b)).
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Other license
A license or a passing result from another jurisdiction is applicant evidence, not a leaf for a Montana route.
Residence
Satisfy the applicable nonresident or designated-home-state eligibility in MCA 33-17-301(2)(b).
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Statutory exemption
MCA 33-17-301(4)(a) provides that a qualifying nonresident "may not be required to complete any prelicensing education or examination requirements."

Official no-examination sources

Effective from 2026-09-22.

Nonresident reissuance after revocation with statutory examination exemption
No examination is required for this applicant pathway.
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Implementation difference
Handbook p.4 states: "Successfully complete an exam unless, as a nonresident applicant, the applicant furnishes verification of good standing in his/her resident state and has passed a written examination in this state; and". MCA 33-17-301(4) controls the exemption. The handbook’s additional passing-exam wording is retained here so applicants can see and confirm what the implementing material says.
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
New qualification
Must qualify again under the code and satisfy the relevant class’s individual qualifications.
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Other license
A license or a passing result from another jurisdiction is applicant evidence, not a leaf for a Montana route.
Other license status
Qualifying active other-state license, or application within 90 days of cancellation with official good-standing proof; satisfy MCA 33-17-301(4).
Revocation
Former Montana license revoked once. A twice-revoked person is not eligible for any license under the code.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Statutory exemption
MCA 33-17-301(4)(a) provides that a qualifying nonresident "may not be required to complete any prelicensing education or examination requirements."
Waiting period
At least one year must elapse; the commissioner may refuse a new license for up to five years after revocation (MCA 33-17-1002(3)).

Official no-examination sources

Effective from 2026-09-22.

Individual reapplication after the lapse reinstatement period
Multi-Line Adjuster
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Examination result
Pass the corresponding Pearson VUE licensing examination. The handbook defines the passing score as a scaled score of 75.
Exemption inapplicable
Does not qualify for the nonresident prelicensing examination exemption under MCA 33-17-301(4).
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
New application
Reapply as an individual qualified under MCA 33-17-301; NIPR permits reinstatement/reapplication through its initial application.
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Prior license
Former Montana license has lapsed beyond the one-year reissuance window in MCA 33-17-1002(2).
Score age
NIPR Montana resident requirements state: "Montana exams are valid for one (1) year from the exam date." This is a score condition, not the end of the exam version.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Individual reissuance after revocation by renewed qualification
Multi-Line Adjuster
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Examination result
Pass the corresponding Pearson VUE licensing examination. The handbook defines the passing score as a scaled score of 75.
Exemption inapplicable
Does not qualify for MCA 33-17-301(4) nonresident examination exemption.
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
New qualification
Must qualify again under the code and satisfy the relevant class’s individual qualifications.
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Revocation
Former Montana license revoked once. A twice-revoked person is not eligible for any license under the code.
Score age
NIPR Montana resident requirements state: "Montana exams are valid for one (1) year from the exam date." This is a score condition, not the end of the exam version.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.
Waiting period
At least one year must elapse; the commissioner may refuse a new license for up to five years after revocation (MCA 33-17-1002(3)).
Resident individual licensure by examination
Multi-Line Adjuster
Application
Apply to the commissioner in the approved form; the CSI directs online individual applications through NIPR. The handbook lists a $50 adjuster license application fee.
Background check
Submit to the licensing background examination under MCA 33-17-220; this is a records/background inquiry, not a professional licensing examination. Resident applicants submit fingerprints and the applicant consent form.
Background disclosures
NIPR requires supporting documents for affirmative background-question answers. Non-US citizens must show US work authorization.
Character
Must be trustworthy and of good character and reputation (MCA 33-17-301(2)(d)).
Examination result
Pass the corresponding Pearson VUE licensing examination. The handbook defines the passing score as a scaled score of 75.
Minimum age
An individual must be at least 18 years old (MCA 33-17-301(2)(a)).
Office and records
Maintain an office in Montana accessible to the public, including a home office if appropriate, and retain usual and customary transaction records for at least five years (MCA 33-17-301(2)(f)).
Residence
Resident of Montana.
Score age
NIPR Montana resident requirements state: "Montana exams are valid for one (1) year from the exam date." This is a score condition, not the end of the exam version.
Separate licenses
NIPR prohibits holding or applying for this insurer-side adjuster class concurrently with Public Adjuster.

Multi-Line Adjuster

Provider
Pearson VUE
Format
Computer-delivered examination
Exam questions
88 scored questions
Time limit
1 hour 45 minutes
Passing score
Scaled score 75
Exam fee
$65
Examination outline
  • Types of Property Policies
    • Personal lines
    • Personal lines: Dwelling and contents (DP forms)
    • Personal lines: Personal liability
    • Personal lines: Homeowners (HO forms)
    • Personal lines: Mobile Homes
    • Commercial lines
    • Commercial lines: Commercial property
    • Commercial lines: Commercial property: Commercial building and personal property form
    • Commercial lines: Commercial property: Causes of loss forms
    • Commercial lines: Commercial property: Business income
    • Commercial lines: Commercial property: Extra expense
    • Commercial lines: Commercial Package Policy (CPP)
    • Commercial lines: Boiler and machinery coverage forms
    • Commercial lines: Businessowners Policy (BOP)
    • Inland marine
    • Inland marine: Personal floaters
    • Inland marine: Commercial floaters
    • Inland marine: Valuable Papers
    • Additional coverages and exclusions
    • Additional coverages and exclusions: Flood
    • Additional coverages and exclusions: Personal Watercraft
    • Additional coverages and exclusions: Commercial Ocean Marine
    • Additional coverages and exclusions: Business Interruption
    • Additional coverages and exclusions: Time Element
    • Additional coverages and exclusions: Ordinance and Law
    • Additional coverages and exclusions: Valuable Paper and Records
  • Types of Casualty Policies
    • Commercial general liability
    • Commercial general liability: Premises and operations liability
    • Commercial general liability: Products and completed operations liability
    • Commercial general liability: Contractual liability
    • Commercial general liability: Medical payments
    • Commercial general liability: Owners and contractors protective liability
    • Automobile: personal (family) auto and business (commercial) auto
    • Automobile: Liability
    • Automobile: Physical damage (collision and comprehensive)
    • Automobile: Uninsured motorists
    • Automobile: Underinsured motorists
    • Automobile: Named insureds
    • Automobile: Insureds
    • Automobile: Owned automobile
    • Automobile: Nonowned automobile
    • Automobile: Temporary substitute auto
    • Commercial crime
    • Commercial crime: Coverage forms
    • Commercial crime: Coverage forms: Theft, disappearance, and destruction
    • Commercial crime: Coverage forms: Robbery and safe burglary
    • Commercial crime: Coverage forms: Premises burglary
    • Commercial crime: Coverage forms: Premises theft and robbery outside premises
    • Professional liability
    • Umbrella/excess liability
  • Surety Bonds
    • Types of bonds
    • Types of bonds: Bid
    • Types of bonds: Contract
    • Types of bonds: Maintenance
    • Types of bonds: Performance
    • Parties to a bond
    • Parties to a bond: Principal
    • Parties to a bond: Obligee
    • Parties to a bond: Surety
  • Insurance Terms and Related Concepts
    • Insurance
    • Insurable interest
    • Risk
    • Hazard
    • Peril
    • Loss
    • Loss: Direct
    • Loss: Indirect
    • Proximate cause
    • Deductible
    • Indemnity
    • Actual cash value
    • Fair market value
    • Replacement cost
    • Other Insurance
    • Coinsurance/Insurance to value
    • Pair and set clause
    • Extensions of coverage
    • Additional coverages
    • Accident
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Right of salvage
    • Abandonment
    • Liability
    • Negligence
    • Robbery
    • Burglary
    • Tariff liability
    • Independent Adjuster
  • Policy Provisions and Contract Law
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Assignment
    • Subrogation
    • Arbitration
    • Elements of a contract
    • Warranties, representations, and concealment
    • Binders
    • Loss settlement
    • Claims made
  • Montana Statutes and Rules Pertinent to All Adjusters
    • Commissioner of Insurance
    • Commissioner of Insurance: Broad powers and duties
    • Commissioner of Insurance: Examination of records
    • Commissioner of Insurance: Investigations/Notice of hearing
    • Commissioner of Insurance: Penalties
    • Adjuster licensing
    • Adjuster licensing: License requirements
    • Adjuster licensing: License suspension and revocation
    • Adjuster licensing: Definitions
    • Trade practices
    • Trade practices: Unfair claims practices
    • Trade practices: Claim settlement practices
    • Trade practices: Misrepresentation
    • Trade practices: Unfair discrimination
    • Montana Insurance Guaranty Association
    • Insurance Information & Privacy Protection Act
    • Basic contract language
    • Insurance Fraud Protection Act
    • Premium financing
  • Montana Statutes and Rules Pertinent to Property Insurance Only
    • Property insurance
    • Property insurance: Defined
    • Property insurance: Specific valuation
    • Property insurance: Valued Policy Law
    • Inland/Ocean Marine Insurance
    • Inland/Ocean Marine Insurance: Defined
    • Inland/Ocean Marine Insurance: Exceptions
    • Cancellation/Nonrenewal
    • Daycare/Homeowners
  • Montana Statutes and Rules Pertinent to Casualty Insurance Only
    • Casualty Insurance defined
    • Automobile Insurance/Financial Responsibility
    • Automobile Insurance/Financial Responsibility: Required limits BI/PD
    • Automobile Insurance/Financial Responsibility: Uninsured Motorists-defined
    • Automobile Insurance/Financial Responsibility: Mature defensive Driving Act
    • Automobile Insurance/Financial Responsibility: Comparative negligence
    • Automobile Insurance/Financial Responsibility: Cancellation/nonrenewal
    • Professional liability insurance
Examination sources