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Washington Claims Adjuster — Requirements & Free Practice

US-WA · License preparation

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Licenses, application pathways and examination requirements

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

Independent Adjuster License

A separate independent adjuster license available to individuals and business entities.

Licensing authority: Washington Office of the Insurance Commissioner · Application information

Business entity — nonresident initial license
No examination is required for this applicant pathway.
Applicant
Business entity, nonresident. Individual examinations attach to separately licensed individuals, not to the entity application itself.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Formation
Resident entities submit articles of incorporation or formation.
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Nonresident Responsible Adjuster
A nonresident entity designates an individual licensed adjuster responsible for compliance under RCW 48.17.380(3)(g).
Responsible Officer
The responsible officer must satisfy RCW 48.17.380(3) qualifications; maintain at least one affiliated active individual licensee.

Official no-examination sources

Effective from 2026-09-22.

Business entity — resident initial license
No examination is required for this applicant pathway.
Applicant
Business entity, resident. Individual examinations attach to separately licensed individuals, not to the entity application itself.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Formation
Resident entities submit articles of incorporation or formation.
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Nonresident Responsible Adjuster
A nonresident entity designates an individual licensed adjuster responsible for compliance under RCW 48.17.380(3)(g).
Responsible Officer
The responsible officer must satisfy RCW 48.17.380(3) qualifications; maintain at least one affiliated active individual licensee.

Official no-examination sources

Effective from 2026-09-22.

Reissuance after voluntary cancellation
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Cycle
Retain the original renewal cycle.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Before the original renewal date, submit application and fee. After that date, apply through late renewal or reinstatement with surcharge measured from the original expiration; reissuance is unavailable more than 12 months after the original renewal date.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within 60 days
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Surcharge
50% of the renewal fee for days 1–30; 100% for days 31–60.
Timing
Apply within 60 days after expiration; no adjusting until renewed.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — home state license reciprocity
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Existing License
Maintain a similar home-state adjuster license in good standing; the home state must reciprocally license Washington adjusters. The commissioner must deem the applicant qualified and competent. Other-state examinations are applicant evidence, never Washington route leaves.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — examination qualified license in another designated home state
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Existing License
Have an active nonresident adjuster license in another state requiring an examination, have passed that state’s examination and remain in good standing. Its examination is a condition, not a Washington exam leaf; the commissioner deems the Washington examination satisfied under WAC 284-17-123(3)(c).
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
The resident state does not issue adjuster licenses.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — new application with current examination exemption
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Existing License
Maintain a similar license elsewhere and obtain the commissioner’s qualification determination under RCW 48.17.110(2)(c), with reciprocity or the examination-qualified designated-home-state conditions of WAC 284-17-123(3).
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Prior Washington license expired or cancelled more than 12 months ago; apply anew.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — Washington designated home state examination
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Other State Alternative
An applicant who has instead passed another state’s required adjuster exam and maintains that license in good standing qualifies for the separate WAC 284-17-123(3)(c) exemption route.
Residency
The resident state does not issue adjuster licenses; designate Washington as home state and meet Washington resident licensure requirements under RCW 48.17.380(4)-(5).
Reinstatement within 12 months
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Examination
No retesting within 12 months of expiration or cancellation, whichever is earlier.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Reinstate after 60 days and within 12 months of expiration; apply, pay fees and 200% surcharge and submit required CE documentation.

Official no-examination sources

Effective from 2026-09-22.

Ordinary renewal
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Continuing Education
Residents and nonresidents designating Washington as home state need 24 CE hours including 3 ethics hours; entities maintain active affiliation and a licensed responsible person.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Submit renewal request and fee on or before expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — Associate in Claims designation
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Education
Complete the AIC program and earn the AIC designation. OIC accepts any track in addition to core courses. The designation replaces experience or trainee education, and the Washington Adjuster exam remains required.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Resident individual — CPCU designation
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Education
Complete the CPCU program and earn the CPCU designation. The designation replaces experience or trainee education, and the Washington Adjuster exam remains required.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Resident individual — AEI property designation
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Education
Complete the American Educational Institute property program and earn the PCLS designation. The designation replaces experience or trainee education, and the Washington Adjuster exam remains required.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Resident individual — new application after more than 12 months
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Exemption
The statutory salaried-insurer/MGA exemption remains available to an applicant meeting RCW 48.17.110(2)(b); this route concerns applicants without an exemption.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
The former license has been expired or cancelled for more than 12 months. Submit a new application, fingerprints unless another qualifying recent license exists, and all fees.
Resident individual — salaried insurer or MGA examination exemption
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Board Implementation
OIC PLE page adds consecutive months, an admitted insurer and letterhead verification: "Twelve consecutive months (part of which is in the current or previous year) having worked as a full-time, salaried employee of an admitted insurance company or managing general agent (MGA) adjuster" and states "You may not have to take our adjuster exam." The statutory exemption controls.
Experience Exemption
RCW 48.17.110(2)(b) exempts an applicant who spent one year as a full-time salaried employee adjusting, investigating or reporting insurance claims, part of that year in the year preceding application.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — supervised trainee
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Training
Six to nine months of salaried training under a resident licensed adjuster; at least six months before examination. OIC requires at least 960 hours, advance employer notice and documentation of months, topics and hours.
Automatic reissuance after support order suspension
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Release
Continue to satisfy all other reinstatement requirements and obtain a release from the Department of Social and Health Services stating compliance with the order. Reissuance is automatic upon the commissioner receiving the release.

Official no-examination sources

Effective from 2026-09-22.

Public Adjuster License

A separate public adjuster license available to individuals and business entities.

Licensing authority: Washington Office of the Insurance Commissioner · Application information

Business entity — nonresident initial license
No examination is required for this applicant pathway.
Applicant
Business entity, nonresident. Individual examinations attach to separately licensed individuals, not to the entity application itself.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Formation
Resident entities submit articles of incorporation or formation.
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Nonresident Responsible Adjuster
A nonresident entity designates an individual licensed adjuster responsible for compliance under RCW 48.17.380(3)(g).
Responsible Officer
The responsible officer must satisfy RCW 48.17.380(3) qualifications; maintain at least one affiliated active individual licensee.

Official no-examination sources

Effective from 2026-09-22.

Business entity — resident initial license
No examination is required for this applicant pathway.
Applicant
Business entity, resident. Individual examinations attach to separately licensed individuals, not to the entity application itself.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Formation
Resident entities submit articles of incorporation or formation.
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Nonresident Responsible Adjuster
A nonresident entity designates an individual licensed adjuster responsible for compliance under RCW 48.17.380(3)(g).
Responsible Officer
The responsible officer must satisfy RCW 48.17.380(3) qualifications; maintain at least one affiliated active individual licensee.

Official no-examination sources

Effective from 2026-09-22.

Reissuance after voluntary cancellation
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Cycle
Retain the original renewal cycle.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Before the original renewal date, submit application and fee. After that date, apply through late renewal or reinstatement with surcharge measured from the original expiration; reissuance is unavailable more than 12 months after the original renewal date.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within 60 days
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Surcharge
50% of the renewal fee for days 1–30; 100% for days 31–60.
Timing
Apply within 60 days after expiration; no adjusting until renewed.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — home state license reciprocity
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Existing License
Maintain a similar home-state adjuster license in good standing; the home state must reciprocally license Washington adjusters. The commissioner must deem the applicant qualified and competent. Other-state examinations are applicant evidence, never Washington route leaves.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — examination qualified license in another designated home state
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Existing License
Have an active nonresident adjuster license in another state requiring an examination, have passed that state’s examination and remain in good standing. Its examination is a condition, not a Washington exam leaf; the commissioner deems the Washington examination satisfied under WAC 284-17-123(3)(c).
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
The resident state does not issue adjuster licenses.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — new application with current examination exemption
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Existing License
Maintain a similar license elsewhere and obtain the commissioner’s qualification determination under RCW 48.17.110(2)(c), with reciprocity or the examination-qualified designated-home-state conditions of WAC 284-17-123(3).
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Prior Washington license expired or cancelled more than 12 months ago; apply anew.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual — Washington designated home state examination
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Other State Alternative
An applicant who has instead passed another state’s required adjuster exam and maintains that license in good standing qualifies for the separate WAC 284-17-123(3)(c) exemption route.
Residency
The resident state does not issue adjuster licenses; designate Washington as home state and meet Washington resident licensure requirements under RCW 48.17.380(4)-(5).
Reinstatement within 12 months
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Examination
No retesting within 12 months of expiration or cancellation, whichever is earlier.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Reinstate after 60 days and within 12 months of expiration; apply, pay fees and 200% surcharge and submit required CE documentation.

Official no-examination sources

Effective from 2026-09-22.

Ordinary renewal
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Continuing Education
Residents and nonresidents designating Washington as home state need 24 CE hours including 3 ethics hours; entities maintain active affiliation and a licensed responsible person.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
Submit renewal request and fee on or before expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — Associate in Claims designation
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Education
Complete the AIC program and earn the AIC designation. OIC accepts any track in addition to core courses. The designation replaces experience or trainee education, and the Washington Adjuster exam remains required.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Resident individual — CPCU designation
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Education
Complete the CPCU program and earn the CPCU designation. The designation replaces experience or trainee education, and the Washington Adjuster exam remains required.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Resident individual — AEI property designation
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Education
Complete the American Educational Institute property program and earn the PCLS designation. The designation replaces experience or trainee education, and the Washington Adjuster exam remains required.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Resident individual — new application after more than 12 months
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Exemption
The statutory salaried-insurer/MGA exemption remains available to an applicant meeting RCW 48.17.110(2)(b); this route concerns applicants without an exemption.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Timing
The former license has been expired or cancelled for more than 12 months. Submit a new application, fingerprints unless another qualifying recent license exists, and all fees.
Resident individual — salaried insurer or MGA examination exemption
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Board Implementation
OIC PLE page adds consecutive months, an admitted insurer and letterhead verification: "Twelve consecutive months (part of which is in the current or previous year) having worked as a full-time, salaried employee of an admitted insurance company or managing general agent (MGA) adjuster" and states "You may not have to take our adjuster exam." The statutory exemption controls.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Experience Exemption
RCW 48.17.110(2)(b) exempts an applicant who spent one year as a full-time salaried employee adjusting, investigating or reporting insurance claims, part of that year in the year preceding application.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.

Official no-examination sources

Effective from 2026-09-22.

Resident individual — supervised trainee
Washington Insurance Adjuster
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Residency
Washington resident.
Training
Six to nine months of salaried training under a resident licensed adjuster; at least six months before examination. OIC requires at least 960 hours, advance employer notice and documentation of months, topics and hours.
Automatic reissuance after support order suspension
No examination is required for this applicant pathway.
Application
Apply on the commissioner’s form with required fees and requested personal, business and experience documentation. Provide a valid email address.
Bond
File and maintain a $5,000 public-adjuster surety bond in the licensee’s name under RCW 48.17.430 and OIC application instructions.
Discretionary Competence Assessment
RCW 48.17.110(4) permits an examination testing competence for a violating or concerning licensee as a condition of continuance or renewal; it does not identify a particular examination. Any actual order remains an applicant condition.
Fingerprints
Resident applicants and nonresidents designating Washington as home state must submit fingerprints and pay background-check charges under RCW 48.17.380(1)(a); qualified nonresidents licensed in their home state are excepted under (1)(b).
Fitness
The individual applicant or responsible officer must be trustworthy and have experience, education or training sufficient for competent claim handling under RCW 48.17.380(3)(c)-(d).
Minimum Age
The individual applicant or responsible officer must be at least 18 years old under RCW 48.17.380(3)(a).
Release
Continue to satisfy all other reinstatement requirements and obtain a release from the Department of Social and Health Services stating compliance with the order. Reissuance is automatic upon the commissioner receiving the release.

Official no-examination sources

Effective from 2026-09-22.

Washington Insurance Adjuster

Provider
PSI Services LLC
Format
Computer-delivered written examination
Exam questions
100 scored items; additional unscored questions may be present
Time limit
135 minutes
Passing score
70% correct
Exam fee
$38
Examination outline
  • Federal Laws and Regulations (5 items)
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose — Prohibited Persons in Insurance, waiver required
    • National Flood Insurance Program (NFIP)
    • Terrorism Risk Insurance Act
    • Motor Carrier Act (MCS-90 and Others)
    • Privacy (Gramm-Leach-Bliley)
  • Licensing and Regulation (20 items)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner — Broad powers (RCW: 48.01.010, .020, .030, 040, .053, .060, .070, .080, .150, .190, .250; 48.02.010, .020, .060, .080, .100, .160)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner — Examination of records (Ref: 48.03.010-.030; WAC 284-03-015)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner — Notice of hearing (RCW: 48.04.010-.140)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Persons required to be licensed (RCW: 48.17.060, 48.17.460, 48.17.110)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Persons required to be licensed (RCW: 48.17.060, 48.17.460, 48.17.110) — Adjuster (RCW 48.17.010; 48.17.380,48.17.390; 48.17.410, .430, 48.17.470, WAC 284-17-06, 284-17- 123, 284-17-125, 284-17-130, .423)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Persons required to be licensed (RCW: 48.17.060, 48.17.460, 48.17.110) — Exemptions (RCW: 48.17..110)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125) — Refusal/nonrenewal (RCW: 48.17.530, .540)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125) — Suspension/revocation/probation (Ref: 48.17.530, .540, .550)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125) — Fines (RCW 48.17.560)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Renewal (WAC 284-17-423; 48.14.010(1)(i))
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Continuing education -exemption (WAC 284-17-222)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Late renewal/reinstatement (WAC 284-17-490; RCW 48.17.170)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Reporting of actions (Ref: 48.17.597)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Licensing Process (Ref: WAC 284-17-, .005, .065)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Purpose
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions — First Party Claimant
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions — Third Party Claimant (WAC 284-30-320)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions — Insurer
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Misrepresentation
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Failure to Acknowledge Pertinent Communications
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Standards for Prompt Investigations of Claims
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Standards for Prompt, Fair and Equitable Settlements
  • General Insurance Concepts (10 items)
    • Risk
    • Risk — Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk — Elements of Insurable Risks
    • Risk — Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers — Mutual, Stock
    • Classifications of Insurers — Admitted, Non-Admitted
    • Classifications of Insurers — Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract — Consideration
    • Elements of a Contract — Competent Parties
    • Elements of a Contract — Legal Purpose
    • Elements of a Contract — Offer
    • Elements of a Contract — Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers — Express
    • Authority and Powers of Producers — Implied
    • Authority and Powers of Producers — Apparent
    • Authority and Powers of Producers — The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts — Reasonable Expectations
    • Legal Interpretations Affecting Contracts — Indemnity
    • Legal Interpretations Affecting Contracts — Good Faith
    • Legal Interpretations Affecting Contracts — Fraud
    • Legal Interpretations Affecting Contracts — Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (20 items)
    • Insurable Interest
    • Liability
    • Liability — Absolute
    • Liability — Strict
    • Liability — Vicarious
    • Underwriting
    • Underwriting — Purpose
    • Underwriting — Process
    • Underwriting — Results
    • Rate Development
    • Rate Development — Types
    • Rate Development — Components
    • Rate Development — Basis
    • Types of Hazards
    • Types of Perils
    • Types of Loss
    • Types of Loss — Direct
    • Types of Loss — Indirect
    • Loss Valuation
    • Loss Valuation — Actual Cash Value
    • Loss Valuation — Replacement Cost
    • Loss Valuation — Market Value
    • Loss Valuation — Agreed Value
    • Loss Valuation — Valued Policy
    • Loss Valuation — Functional Replacement Cost
    • Basic Types of Construction
    • Negligence
    • Negligence — Torts
    • Negligence — Elements of a Negligent Act
    • Negligence — Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure — Declarations
    • Policy Structure — Definitions
    • Policy Structure — Insuring Agreement
    • Policy Structure — Supplementary Coverage
    • Policy Structure — Conditions
    • Policy Structure — Exclusions
    • Policy Structure — Endorsements
    • Policy Clauses
    • Policy Clauses — Insureds
    • Policy Clauses — Policy Period
    • Policy Clauses — Policy Territory
    • Policy Clauses — Cancellation and Non-Renewal
    • Policy Clauses — Deductibles
    • Policy Clauses — Other Insurance
    • Policy Clauses — Other Insurance — Nonconcurrency
    • Policy Clauses — Other Insurance — Primary and Excess
    • Policy Clauses — Other Insurance — Pro Rata
    • Policy Clauses — Other Insurance — Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability — Per Accident
    • Limits of Liability — Per Occurrence
    • Limits of Liability — Per Person
    • Limits of Liability — Aggregate
    • Limits of Liability — Split Limits
    • Limits of Liability — Combined Single Limit
    • Coinsurance
    • Coinsurance — Purpose
    • Coinsurance — Definition
    • Coinsurance — Calculation
    • Coinsurance — Penalties
    • Coinsurance — Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions — First Named Insured versus Other Insureds
    • Named Insured Provisions — Duties After Loss
    • Named Insured Provisions — Assignment
    • Named Insured Provisions — Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions — Liberalization
    • Insurer Provisions — Subrogation
    • Insurer Provisions — Claim Settlement Options
    • Insurer Provisions — Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions — Standard Mortgage Clause
    • Third-Party Provisions — Loss Payable Clause
    • Third-Party Provisions — No Benefit to the Bailee
  • Dwelling Policy Concepts (4 items)
    • Purpose and Eligibility
    • Perils Insured Against
    • Perils Insured Against — Basic
    • Perils Insured Against — Broad
    • Perils Insured Against — Special
    • Property Coverages
    • Property Coverages — Coverage A - Dwelling
    • Property Coverages — Coverage B - Other Structures
    • Property Coverages — Coverage C - Personal Property
    • Property Coverages — Coverage D - Fair Rental Value
    • Property Coverages — Coverage E - Additional Living Expenses
    • Property Coverages — Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Personal Liability Supplement — Coverage L - Personal Liability
    • Personal Liability Supplement — Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (9 items)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms — Broad (HO-2)
    • Homeowners Policy Coverage Forms — Special (HO-3)
    • Homeowners Policy Coverage Forms — Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms — Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms — Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms — Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages — Coverage A - Dwelling
    • Section I - Property Coverages — Coverage B - Other Structures
    • Section I - Property Coverages — Coverage C - Personal Property
    • Section I - Property Coverages — Coverage D - Loss of Use
    • Section I - Property Coverages — Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages — Coverage E - Personal Liability
    • Section II - Liability Coverages — Coverage F - Medical Payments to Others
    • Section II - Liability Coverages — Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions — Section I-Property Covered Exclusions
    • Homeowners Policy Exclusions — Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements — Ordinance or Law
    • Homeowners Policy Endorsements — Business Pursuits
    • Homeowners Policy Endorsements — Earthquake
    • Homeowners Policy Endorsements — Home Day Care
    • Homeowners Policy Endorsements — Personal Injury
    • Homeowners Policy Endorsements — Personal Property Replacement Cost
    • Homeowners Policy Endorsements — Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Commercial Property Policies (3 items)
    • Commercial Package Policy
    • Commercial Package Policy — Purpose
    • Commercial Package Policy — Definition
    • Commercial Package Policy — Coverage Parts
    • Commercial Package Policy — Coverage Extensions
    • Commercial Policy Components
    • Commercial Policy Components — Declarations
    • Commercial Policy Components — Conditions
    • Commercial Policy Components — Insuring Agreements
    • Commercial Policy Components — Exclusions
    • Commercial Property Forms
    • Commercial Property Forms — Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms — Builders Risk
    • Commercial Property Forms — Business Income
    • Commercial Property Forms — Extra Expense
    • Commercial Property Forms — Legal Liability
    • Commercial Property Forms — Cause of Loss Forms
    • Commercial Property Forms — Commercial Crime
    • Commercial Property Endorsements
    • Commercial Property Endorsements — Ordinance or Law
    • Commercial Property Endorsements — Peak Season Limit of Insurance
    • Commercial Property Endorsements — Spoilage
    • Commercial Property Endorsements — Value Reporting Form
    • Commercial Property Endorsements — Earthquake
    • Commercial Property Endorsements — Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Property
    • Farm Property — Definitions
    • Farm Property — Conditions and Exclusions
    • Farm Property — Coverages
  • Personal Automobile Policy (9 items)
    • Definitions
    • Personal Injury Protection Definitions
    • General Provisions
    • Duties After an Accident or Loss
    • Endorsements
    • Endorsements — Towing and Labor Costs
    • Endorsements — Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements — Joint Ownership Coverage
    • Endorsements — Rental Vehicle Coverage
    • Liability Coverage
    • Liability Coverage — Bodily Injury and Property Damage
    • Liability Coverage — Supplementary Payments
    • Liability Coverage — Exclusions
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorist Coverage
    • Uninsured and Underinsured Motorist Coverage — Definitions
    • Uninsured and Underinsured Motorist Coverage — Bodily Injury
    • Uninsured and Underinsured Motorist Coverage — UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile — Collision
    • Coverage for Damage to your Automobile — Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile — Deductibles
    • Coverage for Damage to your Automobile — Exclusions
  • Commercial Automobile Policy (3 items)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Covered Automobiles — Hired Automobiles
    • Covered Automobiles — Non-owned Automobiles
    • Definitions
    • Conditions
    • Selected Endorsements
    • Selected Endorsements — Lessor - Additional Insured and Loss Payee
    • Selected Endorsements — Mobile Equipment
    • Selected Endorsements — Property Protection Coverage
    • Selected Endorsements — Broad Form Products
    • Selected Endorsements — Employees as Insureds
    • Exclusions
    • Physical Damage
  • Commercial General Liability (3 items)
    • Commercial Policy Components
    • Commercial Policy Components — Declarations
    • Commercial Policy Components — Conditions
    • Commercial Policy Components — Interline Endorsements
    • Commercial General Liability Coverages
    • Commercial General Liability Coverages — Bodily Injury and Property Damage
    • Commercial General Liability Coverages — Personal and Advertising Injury
    • Commercial General Liability Coverages — Medical Payments
    • Commercial General Liability Coverages — Conditions
    • Commercial General Liability Coverages — Definitions
    • Commercial General Liability Coverages — Exclusions
    • Occurrence Policy versus Claims-Made Policy
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures — Premises and Operations
    • Commercial General Liability Exposures — Products and Completed Operations
    • Commercial General Liability Exposures — Contractual Liability
  • Other Types of Insurance Policies (1 item)
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Personal Umbrella, Commercial Umbrella, and Excess Policies — Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies — Self-Insured Retention
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) — Deductible
  • Adjustment Process (13 items)
    • Claim Notification Process
    • Claim Notification Process — Date of Loss
    • Claim Notification Process — Location
    • Claim Notification Process — Parties Involved
    • Claim Notification Process — Type of Loss (e.g. Liability, Property)
    • Investigation and Evaluation of Loss/Claim Information
    • Investigation and Evaluation of Loss/Claim Information — Determination of Applicable Coverage
    • Investigation and Evaluation of Loss/Claim Information — Inquiry into Relevant Information
    • Investigation and Evaluation of Loss/Claim Information — Purpose of Loss Reserves
    • Remedies for Disputes
    • Remedies for Disputes — Appraisal
    • Remedies for Disputes — Mediation (Binding and Unbinding)
    • Remedies for Disputes — Arbitration (Binding and Unbinding)
    • Remedies for Disputes — Litigation
    • Finalization of Claim
    • Finalization of Claim — Denial
    • Finalization of Claim — Settlement
    • Finalization of Claim — Closing Claim
Examination sources