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Minnesota Public Adjuster — Requirements & Free Practice

US-MN · License preparation

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Licenses, application pathways and examination requirements

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Public Adjuster's License

Individual public-adjuster license with one or more of the property and casualty, workers compensation, and crop lines of authority. The statutory public-adjuster definition confines practice to insured-side first-party property claims; holding a line does not enlarge that definition.

Licensing authority: Minnesota Department of Commerce · Application information

Canadian resident direct licensure by examination

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Character
The commissioner must find the individual trustworthy, reliable and of good reputation, without a disqualifying act under section 72B.08.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Home State
Section 72B.041 subdivision 1(c) excepts Canadian residents from subdivision 1(a)(2) and section 270C.72 subdivision 4; all other applicable requirements and passing the adjuster examination remain.
Line Selection
Select one or more authorized lines. Each requested line must satisfy its own examination or applicable statutory exemption; the alternative tree expresses the available single-line licensure choices, and passing one examination does not confer every line.
Minimum Age
The individual must be at least 18 years old.
Practice Boundary
Section 72B.02 subdivision 6 defines public adjusting as insured-side first-party real or personal property claims; the license lines listed in section 72B.03 do not expand that practice definition.
Canadian resident nonresident licensure through an existing resident license
No examination is required for this applicant pathway.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Resident License
The Canadian applicant must hold a resident adjuster license under the laws of another jurisdiction as section 72B.05(d) requires; section 270C.72 subdivision 4 does not apply. All section 72B.05(a) reciprocity/application requirements remain.

Official no-examination sources

Effective from 2026-09-22.

Crop line licensure with proficiency or competency training exemption
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Line Of Authority
Crop only.
Training
Satisfactorily complete the National Crop Insurance Services Crop Adjuster Proficiency Program or the loss-adjustment training curriculum and competency testing required by the Federal Crop Insurance Corporation Standard Reinsurance Agreement. These are the specified training/competency qualification conditions, not an identified registered nationwide licensure examination.

Official no-examination sources

Effective from 2026-09-22.

Minnesota designated home state licensure by examination

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Character
The commissioner must find the individual trustworthy, reliable and of good reputation, without a disqualifying act under section 72B.08.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Home State
For an applicant whose resident state does not license adjusters for the requested line, Minnesota may be designated as home state; Commerce requires qualification in the same manner as a Minnesota resident.
Line Selection
Select one or more authorized lines. Each requested line must satisfy its own examination or applicable statutory exemption; the alternative tree expresses the available single-line licensure choices, and passing one examination does not confer every line.
Minimum Age
The individual must be at least 18 years old.
Practice Boundary
Section 72B.02 subdivision 6 defines public adjusting as insured-side first-party real or personal property claims; the license lines listed in section 72B.03 do not expand that practice definition.
Licensure under a written reciprocal agreement with discretionary examination waiver

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Character
The commissioner must find the individual trustworthy, reliable and of good reputation, without a disqualifying act under section 72B.08.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Line Selection
Select one or more authorized lines. Each requested line must satisfy its own examination or applicable statutory exemption; the alternative tree expresses the available single-line licensure choices, and passing one examination does not confer every line.
Minimum Age
The individual must be at least 18 years old.
Practice Boundary
Section 72B.02 subdivision 6 defines public adjusting as insured-side first-party real or personal property claims; the license lines listed in section 72B.03 do not expand that practice definition.
Reciprocal Agreement
Section 45.0292 permits the commissioner to waive all or part of prelicense education, examination, and continuing education when a written reciprocal agreement exists, the individual is licensed there, and its licensing requirements are substantially similar. A waiver must actually be granted; permission alone does not waive the Minnesota line examination. Independently eligible subdivision 5 applicants use its no-exam route.
Restore a license suspended solely for termination of its required bond
No examination is required for this applicant pathway.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Suspension
Section 72B.041 subdivision 3 automatically suspends the license until a new bond is filed. This route concerns that bond-only suspension, not disciplinary revocation.

Official no-examination sources

Effective from 2026-09-22.

Individual reapplication after expiration exceeding one year

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Character
The commissioner must find the individual trustworthy, reliable and of good reputation, without a disqualifying act under section 72B.08.
Expiration
A license expired more than one year requires a new application, retesting when required for the requested authority, and fingerprints. Independently eligible statutory examination-exemption applicants may use the applicable exemption route.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Line Selection
Select one or more authorized lines. Each requested line must satisfy its own examination or applicable statutory exemption; the alternative tree expresses the available single-line licensure choices, and passing one examination does not confer every line.
Minimum Age
The individual must be at least 18 years old.
Practice Boundary
Section 72B.02 subdivision 6 defines public adjusting as insured-side first-party real or personal property claims; the license lines listed in section 72B.03 do not expand that practice definition.
Individual new license application after revocation

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Character
The commissioner must find the individual trustworthy, reliable and of good reputation, without a disqualifying act under section 72B.08.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Line Selection
Select one or more authorized lines. Each requested line must satisfy its own examination or applicable statutory exemption; the alternative tree expresses the available single-line licensure choices, and passing one examination does not confer every line.
Minimum Age
The individual must be at least 18 years old.
Practice Boundary
Section 72B.02 subdivision 6 defines public adjusting as insured-side first-party real or personal property claims; the license lines listed in section 72B.03 do not expand that practice definition.
Revocation
Not eligible to take an adjuster examination if the license was revoked within the preceding three years. Reissuance is subject to commissioner approval under section 72B.08, the normal examination requirements, and the public-adjuster surety bond; no unconditional restoration entitlement is asserted.
Reissue of an expired license within twelve months
No examination is required for this applicant pathway.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Continuing Education
The licensee must be CE compliant before reinstatement is approved.
Expiration
Request reissue within 12 months of the renewal date; pay double the unpaid renewal fee and satisfy applicable renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Timely renewal
No examination is required for this applicant pathway.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Continuing Education
Unless exempt under section 72B.045, individuals complete 24 continuing-education hours per biennium, including three ethics hours; a nonresident meeting home-state continuing education is exempt, as is a licensee not licensed for one full year before the biennium ends.
Hardship
Under section 72B.03 subdivision 2(f), military service, long-term medical disability or another extenuating circumstance permits requesting waivers of renewal procedures, examination requirements, fines and sanctions. Approval is not automatic.
Renewal
Submit the renewal form and fee before expiration; Commerce accepts renewal no earlier than 90 days before expiration.
Revocation
The timely-renewal no-exam rule does not apply when the license has been revoked; revoked-license reapplication is recorded separately.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Continuation
Maintain the resident/home-state license; termination must be reported and the Minnesota license surrendered as required by section 72B.05(c).
Home License
Maintain an adjuster license in good standing in the resident or designated home state for the relevant authority; that jurisdiction must grant Minnesota residents nonresident licenses on the same basis. Submit the completed application, request, and fees.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure by examination

At least one of the following alternatives:

Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Character
The commissioner must find the individual trustworthy, reliable and of good reputation, without a disqualifying act under section 72B.08.
Exam Exemptions
Section 72B.041 subdivision 5 provides same-line prior-license exemptions and a crop-training exemption; eligible applicants use the separately recorded exemption routes.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Home State
Eligible to designate Minnesota as the home state.
Line Selection
Select one or more authorized lines. Each requested line must satisfy its own examination or applicable statutory exemption; the alternative tree expresses the available single-line licensure choices, and passing one examination does not confer every line.
Minimum Age
The individual must be at least 18 years old.
Practice Boundary
Section 72B.02 subdivision 6 defines public adjusting as insured-side first-party real or personal property claims; the license lines listed in section 72B.03 do not expand that practice definition.
Resident licensure with same line prior license exemption
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Prior License
Currently licensed in good standing in another jurisdiction for the same requested line based on its adjuster examination, or application received within 90 days after that license expired in good standing. Certification or acceptable NAIC database evidence must show the same line. The other jurisdiction examination is applicant evidence, not a Minnesota examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure on relocating to Minnesota
No examination is required for this applicant pathway.
Application
Submit the NAIC Uniform Individual Application in the format prescribed by the commissioner, with truthful and complete declarations and required fees.
Bond
File a $10,000 surety bond issued by an insurer authorized in Minnesota; it is required for initial issuance and renewal.
Fingerprints
Resident applicants must consent to a criminal-history check, submit acceptable fingerprints, and pay its fee.
Relocation
An individual licensed in another jurisdiction based on an adjuster examination must apply within 90 days after establishing legal Minnesota residency; no prelicensing examination is required. The other jurisdiction examination remains a condition.

Official no-examination sources

Effective from 2026-09-22.

Crop Adjuster

Provider
PSI Services LLC
Format
Written examination
Exam questions
35 scored questions
Examination outline
  • Nature of Adjusting - 9 items
    • License Requirements for Adjusters
    • License Exemptions for Adjusters
    • Claim Handling Practices
    • Claim Handling Practices / Minnesota Insurance Unfair Claims Practices Act
    • Claim Handling Practices / Powers of the Commissioner of Commerce
    • Claim Handling Practices / Ethical Standards
  • Insurance Contract - 10 items
    • Basic Components
    • Basic Components / Elements
    • Basic Components / Characteristics
    • Basic Components / Legal Rights of Parties
    • Insurable Interest
    • Indemnity
  • Policy Provisions and Basic Insurance Concepts - 5 items
    • Duties of the Insured
    • Forms
    • Notice of Claim
    • Subrogation
    • Cancellation
    • Nonrenewal
    • Hazard
    • Loss
  • Crop Hail/Multiple Peril Insurance - 11 items
    • Crop Identification and Location
    • Policy Rates and Filing
    • Coverages Available
    • Terms of Coverage
    • Liability
    • Insured Eligibility
    • Other Provisions
    • Standard Measures
Examination sources

Minnesota Property and Casualty Adjuster Examination

Provider
PSI Services LLC
Format
Written examination
Exam questions
35 scored questions
Examination outline
  • Licensing - 4 items
    • License Requirements for Adjusters
    • License Classes
    • License Exemptions for Adjusters
    • Powers of the Commissioner of Commerce
    • Ethical Standards
  • Insurance Contract - 5 items
    • Basic Components
    • Basic Components / Elements
    • Basic Components / Characteristics
    • Basic Components / Legal Rights of Parties
    • Types of Policies
    • Types of Policies / Homeowners
    • Types of Policies / Personal Automobile
    • Types of Policies / Commercial Policies
    • Types of Policies / Farm Policy
    • Types of Policies / Inland Marine-Personal Article Floater and Pleasure Craft
    • Types of Policies / General and Excess Liability and Umbrella
  • Analyzing Coverage - 7 items
    • Declarations
    • Coverages
    • Definition of the Insured
    • Limits of Insurance
    • Conditions
    • Exclusions
    • Insuring Agreement
    • Duties of the Insured
    • Obligations of the Company
    • Additional (supplementary) Payments
    • Vacancy and Unoccupancy
    • Abandonment
    • Mortgagee Rights
    • Proof of Loss
    • Assignment
  • Adjustment Process - 9 items
    • Loss Information
    • Investigation
    • Evaluation
    • Evaluation / Suspected Fraudulent Claims
    • Settlement
    • Settlement / Replacement Cost
    • Settlement / Actual Cash Value
    • State Value Policy
    • Remedies for Disputes
    • Remedies for Disputes / Arbitration
    • Remedies for Disputes / Litigation
    • Remedies for Disputes / Appraisal
    • Minnesota Insurance Unfair Claims Practices Act
  • Types of Loss Investigation and Adjustment - 5 items
    • First-Party Losses
    • First-Party Losses / Building
    • First-Party Losses / Condominium
    • First-Party Losses / Individual Contents
    • First-Party Losses / Business Contents
    • First-Party Losses / Business Interruption and Extra Expense
    • First-Party Losses / Crime
    • First-Party Losses / Flood and Mudslides
    • Automobile Physical Damage
    • No-Fault / Personal Injury Protection
    • Underinsured/Uninsured Automobile
    • Third-Party Bodily Injury
    • Third-Party Property Damage
  • Additional Terms and Insurance-Related Concepts - 5 items
    • Accident
    • All-Risk
    • Coinsurance
    • Comparative Negligence
    • Contribution
    • Depreciation
    • Hazard
    • Indemnity
    • Insurable Interest
    • Liability
    • Loss
    • Negligence
    • Occurrence
    • Perils
    • Risk
    • Salvage
    • Subrogation
    • Waiver
Examination sources

Workers Compensation Adjuster

Provider
PSI Services LLC
Format
Written examination
Exam questions
35 scored questions
Examination outline
  • Nature of Adjusting - 7 items
    • License Requirements for Adjusters
    • Claim Handling Practices
    • Claim Handling Practices
    • Claim Handling Practices / Minnesota Insurance Unfair Claims Practices Act
    • Claim Handling Practices / Powers of the Commissioner of Commerce
    • Claim Handling Practices / Ethical Standards
  • State Workers' Compensation - 11 items
    • State Statutory Coverage
    • State Statutory Coverage / Definitions
    • State Statutory Coverage / Employment Covered
    • State Statutory Coverage / Employment Excluded
    • State Statutory Coverage / Sole Proprietors and Partners
    • State Statutory Coverage / Waiting Period
  • Policy Provisions and Contract Law - 7 items
    • Duties of the Insured
    • State Forms
    • Notice of Claim
    • Subrogation
  • Workers' Compensation - 7 items
    • Coverages
    • Work-Related vs. Non-Work-Related
    • Benefits
  • Insurance Terms and Related Concepts - 3 items
    • Insurance
    • Loss
    • Indemnity
    • Limits of Liability
    • Negligence
Examination sources