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Utah Public Adjuster — Requirements & Free Practice

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Public Adjuster

Individual public-adjuster license with accident and health, property and casualty, crop, or workers' compensation lines of authority. Each selected line has its own examination; lines are not substitutes for one another.

Licensing authority: Utah Insurance Department · Application information

Add a line of authority — accident and health insurance, including related service insurance
Utah Adjuster's Accident and Health Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Existing License
Already hold an active public-adjuster license and seek this additional line; pass the applicable examination and submit an amended license application.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
An applicant who already has an existing resident insurance license does not need new fingerprints to add a license type or line of authority.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
accident and health insurance, including related service insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Add a line of authority — crop insurance
Utah Adjuster's Crop Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Existing License
Already hold an active public-adjuster license and seek this additional line; pass the applicable examination and submit an amended license application.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
An applicant who already has an existing resident insurance license does not need new fingerprints to add a license type or line of authority.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
crop insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Add a line of authority — property and casualty insurance, including a surety or other bond
Utah Adjuster's Property and Casualty Exam
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Existing License
Already hold an active public-adjuster license and seek this additional line; pass the applicable examination and submit an amended license application.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
An applicant who already has an existing resident insurance license does not need new fingerprints to add a license type or line of authority.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
property and casualty insurance, including a surety or other bond
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Add a line of authority — workers' compensation insurance
Utah Adjuster's Workers Compensation Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Existing License
Already hold an active public-adjuster license and seek this additional line; pass the applicable examination and submit an amended license application.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
An applicant who already has an existing resident insurance license does not need new fingerprints to add a license type or line of authority.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
workers' compensation insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Crop licensure after satisfactory approved training or competency completion
No examination is required for this applicant pathway.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
Crop insurance only.
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Qualification Alternatives
Satisfactorily complete either a national crop adjuster program adopted by the commissioner by rule, or the loss-adjustment training curriculum and competency testing required by the Federal Crop Insurance Corporation Standard Reinsurance Agreement through USDA Risk Management Agency.
Remaining Requirements
The exemption is from 31A-26-207; character, application, and other applicable license requirements remain.
Training Evidence
Completion of the statutory program/curriculum and its competency testing is applicant qualification evidence for this express exemption. The statute identifies no separate currently offered nationwide examination identity; no nationwide examination is invented from a curriculum description.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement following military service, voluntary service or extenuating circumstances
No examination is required for this applicant pathway.
Prior License
The license lapsed because of military service, voluntary service, or other extenuating circumstances such as long-term medical disability.
Remaining Requirements
Meet the otherwise applicable reinstatement requirements unless waived by the commissioner.
Time Limit
Request reinstatement no later than one year after lapse.
Waiver Request
May request waiver of examination requirements, reinstatement fees, continuing education, or other sanctions imposed for failure to comply with renewal procedures; the waiver is not automatic and no specific examination is named.

Official no-examination sources

Effective from 2026-09-22.

Reinstate individual public adjuster license — home state inactive
No examination is required for this applicant pathway.
Continuing Education
Individual adjusters ordinarily complete 24 credit hours per two-year period, including three ethics hours and at least half classroom instruction, subject to statutory exemptions and the nonresident home-state provisions. Course completion and any course-content testing are training conditions, not separately identified licensing examination leaves.
Designations
Restore required agency designees or affiliations before resuming business.
Expiration
The reinstated license expires on the same date it would have expired without inactivation.
Fingerprinting
The Department states that fingerprints are not required for reinstatements.
Prior License
Nonresident license inactive for failure to maintain an active home-state license; restore required licensing status and submit the Department form by fax or emailed PDF.
Requirements
Comply with the applicable renewal requirements and pay the reinstatement fee. R590-244-10(3)(a) preserves any applicable examination requirement without identifying a new licensing examination; the ordinary adjuster renewal provisions identify continuing education, application and fees.

Official no-examination sources

Effective from 2026-09-22.

Reinstate individual public adjuster license — incomplete renewal
No examination is required for this applicant pathway.
Continuing Education
Individual adjusters ordinarily complete 24 credit hours per two-year period, including three ethics hours and at least half classroom instruction, subject to statutory exemptions and the nonresident home-state provisions. Course completion and any course-content testing are training conditions, not separately identified licensing examination leaves.
Designations
Restore required agency designees or affiliations before resuming business.
Expiration
The reinstated license expires on the same date it would have expired without inactivation.
Fingerprinting
The Department states that fingerprints are not required for reinstatements.
Prior License
The license was inactivated because the renewal application was incomplete; use the prescribed fax/PDF process. For a resident individual whose only defect is continuing education, use that process during the first 30 days and Sircon/NIPR during days 31 through 365.
Requirements
Comply with the applicable renewal requirements and pay the reinstatement fee. R590-244-10(3)(a) preserves any applicable examination requirement without identifying a new licensing examination; the ordinary adjuster renewal provisions identify continuing education, application and fees.

Official no-examination sources

Effective from 2026-09-22.

Reinstate individual public adjuster license — lapsed
No examination is required for this applicant pathway.
Continuing Education
Individual adjusters ordinarily complete 24 credit hours per two-year period, including three ethics hours and at least half classroom instruction, subject to statutory exemptions and the nonresident home-state provisions. Course completion and any course-content testing are training conditions, not separately identified licensing examination leaves.
Designations
Restore required agency designees or affiliations before resuming business.
Expiration
The reinstated license expires on the same date it would have expired without inactivation.
Fingerprinting
The Department states that fingerprints are not required for reinstatements.
Prior License
License inactive for one year or less after expiration; comply with renewal requirements and pay the reinstatement fee.
Requirements
Comply with the applicable renewal requirements and pay the reinstatement fee. R590-244-10(3)(a) preserves any applicable examination requirement without identifying a new licensing examination; the ordinary adjuster renewal provisions identify continuing education, application and fees.

Official no-examination sources

Effective from 2026-09-22.

Reinstate individual public adjuster license — voluntarily surrendered
No examination is required for this applicant pathway.
Continuing Education
Individual adjusters ordinarily complete 24 credit hours per two-year period, including three ethics hours and at least half classroom instruction, subject to statutory exemptions and the nonresident home-state provisions. Course completion and any course-content testing are training conditions, not separately identified licensing examination leaves.
Designations
Restore required agency designees or affiliations before resuming business.
Expiration
The reinstated license expires on the same date it would have expired without inactivation.
Fingerprinting
The Department states that fingerprints are not required for reinstatements.
Prior License
Reinstatement must be during the license period in which surrender occurred and no later than one year after surrender; use the Department form by fax or emailed PDF. No individual continuing education is required because this reinstatement is within the current license period.
Requirements
Comply with the applicable renewal requirements and pay the reinstatement fee. R590-244-10(3)(a) preserves any applicable examination requirement without identifying a new licensing examination; the ordinary adjuster renewal provisions identify continuing education, application and fees.

Official no-examination sources

Effective from 2026-09-22.

Renew an active individual public adjuster license
No examination is required for this applicant pathway.
Active License
Already hold the license and apply online on or before expiration with applicable fees and background disclosures.
Continuing Education
Individual adjusters ordinarily complete 24 credit hours per two-year period, including three ethics hours and at least half classroom instruction, subject to statutory exemptions and the nonresident home-state provisions. Course completion and any course-content testing are training conditions, not separately identified licensing examination leaves.
Fingerprinting
The Department states that fingerprints are not required for renewal.

Official no-examination sources

Effective from 2026-09-22.

New resident transfer application within 90 days
No examination is required for this applicant pathway.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Application Window
Apply within 90 days of establishing legal residence and cancel the prior resident and any Utah nonresident license.
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exception
The statute permits prelicensing or examination requirements if the prior state would require them of a Utah resident or the commissioner imposes them by rule; no particular additional examination is identified by that exception.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
Provide the required resident fingerprints and proof of recently established residency.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Prior License
Show prior same-line good-standing licensure and timely cancellation/clearance evidence.
Statutory Wording
Section 31A-26-207(3)(a) literally describes a person licensed as an insurance producer in another state applying under the adjuster licensing sections; that wording is preserved rather than silently rewritten.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure without qualifying credentials waiver — accident and health insurance, including related service insurance
Utah Adjuster's Accident and Health Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
The generally required appropriate Utah line examination applies absent an established exemption; meet the remaining application requirements.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Jurisdiction Agreement
Accept the jurisdiction of the commissioner and Utah courts as required by 31A-26-208(2).
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
accident and health insurance, including related service insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Nonresident applicant who does not meet a statutory same-line examination waiver or reciprocal home-state/designated-home-state licensure route.
Nonresident initial licensure without qualifying credentials waiver — crop insurance
Utah Adjuster's Crop Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
The generally required appropriate Utah line examination applies absent an established exemption; meet the remaining application requirements.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Jurisdiction Agreement
Accept the jurisdiction of the commissioner and Utah courts as required by 31A-26-208(2).
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
crop insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Nonresident applicant who does not meet a statutory same-line examination waiver or reciprocal home-state/designated-home-state licensure route.
Nonresident initial licensure without qualifying credentials waiver — property and casualty insurance, including a surety or other bond
Utah Adjuster's Property and Casualty Exam
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
The generally required appropriate Utah line examination applies absent an established exemption; meet the remaining application requirements.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Jurisdiction Agreement
Accept the jurisdiction of the commissioner and Utah courts as required by 31A-26-208(2).
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
property and casualty insurance, including a surety or other bond
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Nonresident applicant who does not meet a statutory same-line examination waiver or reciprocal home-state/designated-home-state licensure route.
Nonresident initial licensure without qualifying credentials waiver — workers' compensation insurance
Utah Adjuster's Workers Compensation Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
The generally required appropriate Utah line examination applies absent an established exemption; meet the remaining application requirements.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Jurisdiction Agreement
Accept the jurisdiction of the commissioner and Utah courts as required by 31A-26-208(2).
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
workers' compensation insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Nonresident applicant who does not meet a statutory same-line examination waiver or reciprocal home-state/designated-home-state licensure route.
Nonresident reciprocal home state or designated home state licensure
No examination is required for this applicant pathway.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Application Record
Submit the proper request and the home-state application or a completed uniform application; pay applicable fees.
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Current License
Hold the corresponding home-state or designated-home-state adjuster license in good standing when applying.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Jurisdiction Agreement
Accept the commissioner's and Utah courts' jurisdiction.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Reciprocity
The home state or designated home state grants Utah residents nonresident adjuster licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident same line examination waiver
No examination is required for this applicant pathway.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Current Or Recently Cancelled License
Be currently licensed there, or apply within 90 days after cancellation with the required certification or NAIC database evidence that the prior license was in good standing.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Jurisdiction Agreement
Accept the commissioner's and Utah courts' jurisdiction.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Prior License
Have been licensed for the same line in another state.

Official no-examination sources

Effective from 2026-09-22.

New application after inactive license exceeds one year — accident and health insurance, including related service insurance
Utah Adjuster's Accident and Health Exam (practice unavailable)
Applicable Exemptions
A qualifying nonresident, Utah State Bar member, or crop-program applicant may instead use the relevant statutory exemption route.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
accident and health insurance, including related service insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Prior License
The license was not reinstated within one year after inactivation; reinstatement is unavailable and a new application is required.
New application after inactive license exceeds one year — crop insurance
Utah Adjuster's Crop Exam (practice unavailable)
Applicable Exemptions
A qualifying nonresident, Utah State Bar member, or crop-program applicant may instead use the relevant statutory exemption route.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
crop insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Prior License
The license was not reinstated within one year after inactivation; reinstatement is unavailable and a new application is required.
New application after inactive license exceeds one year — property and casualty insurance, including a surety or other bond
Utah Adjuster's Property and Casualty Exam
Applicable Exemptions
A qualifying nonresident, Utah State Bar member, or crop-program applicant may instead use the relevant statutory exemption route.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
property and casualty insurance, including a surety or other bond
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Prior License
The license was not reinstated within one year after inactivation; reinstatement is unavailable and a new application is required.
New application after inactive license exceeds one year — workers' compensation insurance
Utah Adjuster's Workers Compensation Exam (practice unavailable)
Applicable Exemptions
A qualifying nonresident, Utah State Bar member, or crop-program applicant may instead use the relevant statutory exemption route.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
workers' compensation insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Prior License
The license was not reinstated within one year after inactivation; reinstatement is unavailable and a new application is required.
Resident initial licensure by examination — accident and health insurance, including related service insurance
Utah Adjuster's Accident and Health Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
Pass the applicable examination before submitting the license application; a previously passed current examination remains a requirement reference.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
Initial resident applicants must complete the Prometric live-scan FBI/BCI background check after passing the required examination and submitting the application.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
accident and health insurance, including related service insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Utah resident applying for the elected line; a new resident outside the transfer concession applies under the examination route.
Waivers
Statutory exemptions and nonresident credentials waivers are retained as separate applicable routes.
Resident initial licensure by examination — crop insurance
Utah Adjuster's Crop Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
Pass the applicable examination before submitting the license application; a previously passed current examination remains a requirement reference.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
Initial resident applicants must complete the Prometric live-scan FBI/BCI background check after passing the required examination and submitting the application.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
crop insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Utah resident applying for the elected line; a new resident outside the transfer concession applies under the examination route.
Waivers
Statutory exemptions and nonresident credentials waivers are retained as separate applicable routes.
Resident initial licensure by examination — property and casualty insurance, including a surety or other bond
Utah Adjuster's Property and Casualty Exam
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
Pass the applicable examination before submitting the license application; a previously passed current examination remains a requirement reference.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
Initial resident applicants must complete the Prometric live-scan FBI/BCI background check after passing the required examination and submitting the application.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
property and casualty insurance, including a surety or other bond
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Utah resident applying for the elected line; a new resident outside the transfer concession applies under the examination route.
Waivers
Statutory exemptions and nonresident credentials waivers are retained as separate applicable routes.
Resident initial licensure by examination — workers' compensation insurance
Utah Adjuster's Workers Compensation Exam (practice unavailable)
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Exam Timing
Pass the applicable examination before submitting the license application; a previously passed current examination remains a requirement reference.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Fingerprinting
Initial resident applicants must complete the Prometric live-scan FBI/BCI background check after passing the required examination and submitting the application.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
workers' compensation insurance
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Residency
Utah resident applying for the elected line; a new resident outside the transfer concession applies under the examination route.
Waivers
Statutory exemptions and nonresident credentials waivers are retained as separate applicable routes.
Licensure for a member of the Utah State Bar
No examination is required for this applicant pathway.
Application
Submit the commissioner-prescribed application through Sircon or NIPR and pay applicable fees. A nonresident line unavailable in the home state uses the Department form by fax or emailed PDF under R590-244-7(2).
Character
Show competency, trustworthiness, and a good-faith intention to engage in the business; disclose personal history, education, experience, business record, and grounds for denial.
Disciplinary History
Disclose the administrative actions and criminal proceedings required by 31A-26-203; satisfy 31A-26-213 and R590-281 eligibility requirements. Federal dishonesty or breach-of-trust restrictions may require the commissioner's written consent.
Fee Exemption
Section 31A-26-202(4) exempts qualifying licensed military personnel stationed in Utah and qualifying spouses of military personnel or DOD civilians stationed in Utah from the license fee.
Language
Prometric offers Utah insurance licensing examinations in Spanish as well as English. The bulletin identifies Spanish delivery codes; language delivery does not replace a required line of authority.
Line Of Authority
Apply for the requested statutory public-adjuster line or lines.
Minimum Age
A natural-person applicant must be at least 18 years old (31A-26-202 and 31A-26-205).
Professional Status
Must be a member of the Utah State Bar; 31A-26-207(5)(a) makes the licensing examination requirements inapplicable and 31A-26-206(4) also exempts the member from continuing education.
Residency
Resident applicants remain subject to required fingerprints; nonresident applicants must satisfy the applicable jurisdictional agreement.

Official no-examination sources

Effective from 2026-09-22.

Utah Adjuster's Accident and Health Exam

Examination outline
  • Insurance Regulation (10%)
    • Licensing requirements Qualifications (31A-26-203, 205) Process (31A-26-202) Classifications of licenses (31A-26-204) Adjusters (31A-26-102, 201, 204 (1)(c)) Licensing exemptions (31A-26-201(2)) Nonresident adjuster (31A-26-208) Emergency adjuster license (31A-26-212)
    • Maintenance and duration Renewal (31A-23a-105; 31A-23a-111) Continuing education (31A-26-206; Reg R590-142) Reinstatement (31A-26-214.5 (2); Reg. R590-244-8) Assumed name (31A-26-209(2)) Records (31A-26-306(2–4)) Change of address or telephone number (31A-26-306(1)(b))
    • Disciplinary actions License Termination, suspension, revocation, refusal to issue or renew (31A-26-213) Probation (31A-26-214) Monetary forfeiture (fines) (31A-2-308)
    • Unfair claim settlement laws and regulations (31A-26-301, 301.5, 303; Reg R590-192-1–14)
    • Federal regulation Fraud and false statements (18 USC 1033- 1034)
  • Accident and Health Insurance Basics (17%)
    • Definition of potential claims Accidental injury Sickness
    • Principal types of claims and benefits Loss of income from disability Medical expense Dental expense Long-term care expense
    • Classes of health insurance policies Individual versus group Private versus government Limited versus comprehensive
    • Limited policies Limited benefits and amounts Required notice to insured Types of limited policies Accident-only Specified (dread) disease Hospital indemnity (income) Credit disability Blanket insurance (teams, passengers, other) Prescription drugs Vision care
    • Common exclusions from coverage
    • Considerations in replacing accident and health insurance (Reg R590-126-9, 233) Benefits, limitations and exclusions Underwriting requirements
    • Accident and health insurance claims Insured's notice Standard claim forms Insurer's provision of claim forms Insured's submission of proof of loss Insurer's investigation/verification of loss Insurer's payment of claim Physical examination and autopsy Legal actions
  • Understanding the Language of Medical Reports (10%)
    • Medical terminology and abbreviations Location terms Movement terms Prefixes, suffixes and root words Abbreviations used in medical reports Medical specialties
    • Basic human anatomy Skeletal structure Nervous system Respiratory system Cardiovascular system Abdominal organs
    • Injuries and diseases Strains and sprains Dislocations Fractures Soft tissue injuries Brain injuries Burn classifications Cumulative trauma Repetitive motion injuries Lung disease Diabetes mellitus Glaucoma Hypertension Osteoarthritis Osteomyelitis Osteoporosis Stroke Tachycardia Atherosclerosis Coronary thrombosis
    • Medical tests Laboratory Radiography (X-ray) Magnetic resonance imaging (MRI) Computerized tomography (CT or CAT) Electromyography (EMG) Nerve conduction studies Myelography Arthroscopy Electrocardiogram (EKG or ECG) Electroencephalography (EEG)
  • Accident and Health Insurance Policy General Provisions (13%)
    • Required provisions Incontestability (31A-22-609) Grace period (31A-22-607) Reinstatement (31A-22-608) Claim procedures (31A-21-312; 31A-22-614; 31A-26-301; Reg R590-192-1–14)
    • Optional provisions Change of occupation (31A-22-613(1)) Misstatement of age (31A-22-613(2, 3)) Other insurance (31A-22-619) Coordination of benefits (Reg R590-131-1–9)
    • Other general provisions Right to examine (free look) (31A-22-606) Insuring clause Consideration clause Entire contract; changes Physical examinations and autopsy Legal actions Rights of spouse (31A-22-612) Change of beneficiary Unpaid premium Conformity with state statutes Illegal occupation Renewability clause (31A-30-107; Reg R590- 126-5, 233) Noncancelable Guaranteed renewable Conditionally renewable Renewable at option of insurer Nonrenewable (cancelable, term)
  • Disability Income and Related Insurance (10%)
    • Qualifying for disability benefits Inability to perform duties Own occupation Any occupation Loss of income (income replacement contracts) Presumptive disability Requirement to be under physician care
    • Individual disability income insurance Basic total disability plan Income benefits (monthly indemnity) Elimination and benefit periods Waiver of premium feature Coordination with social insurance and workers compensation benefits Additional monthly benefit (AMB) Social insurance supplement (SIS) Occupational versus nonoccupational coverage At-work benefits Partial disability benefit Residual disability benefit Other provisions affecting income benefits Cost of living adjustment (COLA) rider Future increase option (FIO) rider Relation of earnings to insurance Other cash benefits Accidental death and dismemberment Rehabilitation benefit Medical reimbursement benefit (nondisabling injury) Refund provisions Return of premium Cash surrender value Exclusions
    • Unique aspects of individual disability underwriting Occupational considerations Benefit limits Policy issuance alternatives
    • Group disability income insurance Group versus individual plans Short-term disability (STD) Long-term disability (LTD)
    • Business disability insurance Key employee (partner) disability income Disability buy-sell policy
    • Social Security disability Qualification for disability benefits Definition of disability Waiting period Disability income benefits
    • Workers compensation Eligibility
  • Medical Plans (10%)
    • Medical plan concepts Fee-for-service basis versus prepaid basis Specified coverages versus comprehensive care Benefit schedule versus usual/reasonable/customary charges Any provider versus limited choice of providers Insureds versus subscribers/participants
    • Types of providers and plans Major medical insurance (indemnity plans) Characteristics Common limitations Exclusions from coverage Provisions affecting cost to insured Health maintenance organizations (HMOs) General characteristics Preventive care services Primary care physician versus referral (specialty) physician Emergency care Hospital services Other basic services Preferred provider organizations (PPOs) General characteristics Limited health plans (31A-8-101(6)) Open panel or closed panel Types of parties to the provider contract Point-of-service (POS) plans Nature and purpose Out-of-network provider access (open- ended HMO) PCP referral (gatekeeper PPO) Indemnity plan features
    • Cost containment in health care delivery Cost-saving services Preventive care Hospital outpatient benefits Alternatives to hospital services Utilization management Prospective review Concurrent review
    • Utah requirements (individual and group) Eligibility requirements Newborn child coverage (31A-22-610) Dependent child age limit (31A-22-610.5) Eligibility of dependent children not based solely on residency (31A-22-718) Policy extension for handicapped children (31A-22-611) Benefit offers Substance abuse coverage (31A-22-715)
    • HIPAA (Health Insurance Portability and Accountability Act) requirements Eligibility Guaranteed issue Creditable coverage Renewability
    • Medical savings accounts (MSAs) and Health savings accounts (HSAs) Definition Eligibility Contribution limits Portability
  • Group Accident and Health Insurance (10%)
    • Characteristics of group insurance (31a- 22-501) Group contract Certificate of coverage Experience rating versus community rating
    • Types of eligible groups Employment-related groups (31a-22-501.1) Individual employer groups (31a-22- 501.1) Multiple-Employer Trusts (METs) or Welfare Arrangements (MEWAs) Associations (alumni, professional, other) (31a-22-701 Customer groups (depositors, creditor-debtor, other) (31a-22-506)
    • Marketing considerations Advertising (R590-155) Regulatory jurisdiction/place of delivery
    • Employer group health insurance Insurer underwriting criteria Characteristics of group Plan design factors Persistency factors Administrative capability Eligibility for insurance Annual open enrollment Employee eligibility Dependent eligibility (31a-22-601.1, 31a- 22-610.5, 31a-22-611, 31a-22-718) Coordination of benefits provision (Reg R590- 131-1–9) Change of insurance companies or loss of coverage Coinsurance and deductible carryover No-loss no-gain Events that terminate coverage Extension of benefits Continuation of coverage under COBRA and Utah specific rules (31A-22-722) Conversion rights (31A-22-723) Conversion rights for former spouse (31A-22-612) Reinstatement of coverage for military personnel (31A-22-717)
    • Small employer medical plans Definition of small employer (31A-1-301) Basic coverage (31A-22-613.5) Availability of coverage (31A-30-108) Pre-existing conditions (31A-22-605.1) Participation requirements (31A-30-112) Open enrollment (Reg R590-176-1–11)
    • Regulation of employer group insurance plans Employee Retirement Income Security Act (ERISA) Applicability Fiduciary responsibilities Reporting and disclosure Age Discrimination in Employment Act (ADEA) Applicability to employers and workers Permitted reductions in insured benefits Permitted increases in employee contributions Requirements for medical expense coverage Civil Rights Act/Pregnancy Discrimination Act Applicability Guidelines Relationship with Medicare Medicare secondary rules Medicare carve-outs and supplements Nondiscrimination rules (highly-compensated)
    • Types of funding and administration Conventional fully-insured plans Fully self-funded (self-administered) plans Characteristics Conditions suitable for self-funding Benefits suitable for self-funding
  • Dental Insurance (7%)
    • Categories of dental treatment Diagnostic and preventive Restorative Oral surgery Endodontics Periodontics Prosthodontics Orthodontics
    • Indemnity plans Choice of providers Scheduled versus nonscheduled plans Benefit categories Diagnostic/preventive services Basic services Major services Deductibles and coinsurance Combination plans Exclusions Limitations Predetermination of benefits
    • Employer group dental expense Integrated deductibles versus stand-alone plans Minimizing adverse selection
  • Insurance for Senior Citizens and Special Needs Individuals (10%)
    • Medicare Nature, financing and administration Part A — Hospital Insurance Individual eligibility requirements Enrollment Coverages and cost-sharing amounts Part B — Medical Insurance Individual eligibility requirements Enrollment Coverages and cost-sharing amounts Exclusions Claims terminology and other key terms Part C — Medicare Advantage Part D — Prescription Drug Insurance
    • Medicare supplements Purpose Open enrollment (Reg R590-146-11) Standardized Medicare supplement plans Core benefits (Reg R590-146-8(B)) Additional benefits (Reg R590-146-8(C)) Utah regulations and required provisions Standards for marketing (Reg R590-146- 20) Advertising (Reg R590-146-19) Appropriateness of recommended purchase and excessive insurance (Reg R590-146-21) Right to return (free look) (31A-22- 620(6)) Replacement (Reg R590-146-18, 22 & 23) Pre-existing conditions (Reg R590-146- 23) Required disclosure provisions (Reg R590-146-17) Outline of coverage (Reg R590-146- 17(C)) Guide to Health Insurance for People with Medicare (Reg R590-146-17(A)(6)(a)) Permitted compensation (Reg R590-146- 16) Medicare Select (Reg R590-146-10)
    • Other options for individuals with Medicare Employer group health plans Disabled employees Employees with kidney failure Individuals age 65 and older Medicaid Eligibility Benefits
    • Long-term care (LTC) policies LTC, Medicare and Medicaid compared Eligibility for benefits Levels of care Skilled care Intermediate care Custodial care Home health care Adult day care Respite care Benefit periods Benefit amounts Optional benefits Guarantee of insurability Return of premium Qualified LTC plans Exclusions Underwriting considerations Utah regulations and required provisions Standards for marketing (Reg R590-148- 18) Advertising (Reg R590-148-20) Shopper's guide (Reg R590-148-16) Outline of coverage (31A-22-1409; Reg R590-148-15) Appropriateness of recommended purchase (Reg R590-148-17) Right to return (free look) (31A-22-1408) Replacement (Reg R590-148-6) Renewal provisions (Reg R590-148-6) Continuation or conversion (Reg R590- 148-10) Required disclosure provisions (Reg R590-148-6) Inflation protection (Reg R590-148-13) Pre-existing conditions (31A-22-1406; Reg R590-148-6) Protection against unintentional lapse (Reg R590-148-11) Prohibited provisions (31A-22-1405, 1407)
    • Utah Comprehensive Health Insurance Pool Eligibility (31A-29-111) Coverages and limits (31A-29-113) Exclusions (31A-29-113) Deductibles and coinsurance (31A-29-114)
  • Federal Tax Considerations for Accident and Health Insurance (3%)
    • Personally-owned health insurance Individual mandate/penalties for noncompliance Disability income insurance Medical expense insurance Long-term care insurance
    • Employer group health insurance Disability income (STD, LTD) Benefits subject to FICA Medical and dental expense Long-term care insurance Accidental death and dismemberment
    • Medical expense coverage for sole proprietors and partners
    • Business disability insurance Key person disability income Buy-sell policy
    • Medical savings accounts (MSAs) and Health savings accounts (HSAs)
Examination sources

Utah Adjuster's Crop Exam

Examination outline
  • Insurance Regulation (15%)
    • Licensing requirements Purpose (31A-26-101) Definitions (31A-26-102) Qualifications (31A-26-203, 205) Purpose (31A-26-202) Process (31A-26-202) Classifications of licenses (31A-26-204) Adjuster (31A-26-102, 201, 204 (1)(c)) Nonresident adjuster (31A-26-208) Emergency adjuster (31A-26-212) License/character requirements (31A-26-204 & 205) Licensing exceptions (31A-26-201 (2))
    • Maintenance and duration Renewal (31A-26-213; 31A-26-214.5; Reg. R590-244-7 though 9) Change of name, address, telephone number (31A-26-306 (1)(b)) Assumed names (31A-26-209 (2)) Records (31A-26-306 (2-4)) Continuing education requirements (31A-26- 206; Reg. R590-142-1through 10) Reinstatement (31A-26-214.5 (2); Reg. R590-244-8) Reporting of actions (31A-26-203)
    • Disciplinary actions Probation (31A-26-214) License termination, suspension, nonrenewal, or revocation (31A-26-213) Monetary forfeiture (fines) (31A-2-308)
    • Claim settlement laws and regulations
  • Crop Insurance (25%)
    • Eligibility Insureds Insurable crops
    • Application Binder Declarations section Required signatures Required information
    • Term of coverage Effective date Inception of coverage Expiration Cancellation
    • Perils insured against
    • Exclusions
    • Limits of coverage Insurable value Percentage plan Deductibles Reduction of insurance
    • Other provisions Replanting clause Acreage variation Transit coverage Fire department service charge Pro rata liability clause Fire and lightning coverage Assignment Subrogation
    • Claim settlement practices Notice of loss Insured's duties after loss Appraisal/arbitration
    • Mandatory endorsements NCIS — 444 Tomatoes, Truck and Vine Crops NCIS — 578 Tree Fruits
  • Federal Multi-peril Crop Insurance Programs (30%)
    • Basic catastrophic crop insurance (CAT) Eligibility Insureds Insurable crops Actuarial document books Yield guarantee Actual production history (APH) Assigned yield Transitional yield Coverage level Market price percentage Covered causes of loss Application Basic unit Administrative fee Production records Acreage reporting Late planting agreement option Disqualification of producer Life of policy Continuous Cancellation Termination
    • Multiple peril policy options Levels of coverage Price election Optional units High-risk land exclusion Hail/fire exclusion Replant payments Late planting coverage Prevented planting coverage Transfer of coverage Assignment of indemnity Subrogation
    • Other provisions Individual crop Small grain Coarse grain Priorities of conflicts between provisions Duties after loss Insured Insurer
    • Additional programs Group Risk Plan (GRP) County expected yield County average yield Eligible crops
  • Plant Physiology (10%)
    • Basic plant functions
    • Structure of the stem and leaf
    • Stages of growth
    • Main classification of plants Grassy plants Broadleaf plants
  • Loss Adjusting Procedures (20%)
    • Settling the claim Other insurance Subrogation Field inspections and counts Closing the claim Deferments Unsettled claims (snags)
Examination sources

Utah Adjuster's Property and Casualty Exam

Examination outline
  • Insurance Regulation (8%)
    • Licensing requirements Definitions (31A-26-102) Qualifications (31A-26-203, 205) Purpose (31A-26-202) Process (31A-26-202) Classifications of licenses (31A-26-204) License/character requirements (31A-26-204 & 205) Licensing exceptions (31A-26-201(2)) Adjusters (31A-26-102, 201, 204 (1)(c)) Nonresident adjuster (31A-26-208) Emergency adjuster license (31A-26-212)
    • Maintenance and duration Renewal (31A-26-213; 31A-26-214.5; Reg. R590-244-7 though 9) Continuing education requirements (31A-26- 206; Reg. R590-142-1 through 10) Reinstatement (31A-26-214.5 (2); Reg. R590-244-8) Assumed name (31A-26-209(2)) Records (31A-26-306(2–4)) Change of address or telephone number (31A-26-306(1)(b)) Reporting of actions (31A-26-203)
    • Disciplinary actions License Termination, suspension, revocation, refusal to issue or renew (31A-26-213) Probation (31A-26-214) Monetary forfeiture (fines) (31A-2-308)
    • Unfair claim settlement laws and regulations (31A-26-301, 303; Reg R590- 190-1–14) Place of business/records maintenance (31A- 26-102)
  • Insurance Basics (23%)
    • Contracts Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Distinct characteristics of an insurance contract Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Legal interpretations affecting contracts Ambiguities in a contract of adhesion Reasonable expectations Indemnity Utmost good faith Representations/misrepresentations Warranties Concealment Fraud Waiver and estoppel
    • Principles and concepts Insurable interest Hazards Physical Moral Morale Negligence Elements of a negligent act Defenses against negligence Damages Compensatory — special versus general Punitive Absolute liability Strict liability Vicarious liability Causes of loss (perils) Named perils versus special (open) perils Direct loss Consequential or indirect loss Blanket versus specific insurance Basic types of construction Loss valuation Actual cash value Replacement cost Functional replacement cost Market value Agreed value Stated amount Valued policy
    • Policy structure Declarations Definitions Insuring agreement or clause Additional/supplementary coverage Conditions Exclusions Endorsements
    • Common policy provisions Insureds — named, first named and additional Policy period Policy territory Cancellation and nonrenewal Deductibles Other insurance Nonconcurrency Primary and excess Pro rata Contribution by equal shares Limits of liability Per occurrence (accident) Per person Aggregate — general versus products — completed operations Split Combined single Restoration/nonreduction of limits Coinsurance Vacancy or unoccupancy Assignment Insurer provisions Liberalization Duty to defend Third-party provisions Standard mortgage clause Loss payable clause No benefit to the bailee
  • Adjusting Losses (24%)
    • Role of the adjuster Duties and responsibilities (31A-26-304–311) Staff and independent adjuster versus public adjuster Relationship to legal profession
    • Claim reporting Claim investigation Claim file documentation of events Types of reports Initial or first field Interim or status Full formal
    • Property losses Duties of insured after a loss Notice to insurer Minimizing the loss Proof of loss Special requirements Production of books and records Abandonment Determining value and loss Burden of proof of value and loss Estimates Depreciation Salvage Claim settlement options Payment and discharge
    • Liability losses Investigation procedures Verify coverages Determine liability Gathering evidence Physical evidence Witness statements Determining value of intangible damages
    • Coverage problems Dealing with coverage disputes Reservation of rights letter Nonwaiver agreement Declaratory judgment action
    • Claims adjustment procedures Settlement procedures Advance payments Draft authority Execution of releases Subrogation procedures Alternative dispute resolution Appraisal Arbitration Competitive estimates Mediation Negotiation
  • Dwelling Policy (4%)
    • Characteristics and purpose
    • Coverage forms — Perils insured against Basic Broad Special
    • Property coverages Coverage A — Dwelling Coverage B — Other structures Coverage C — Personal property Coverage D — Fair rental value Coverage E — Additional living expense Other coverages
    • General exclusions
    • Conditions
    • Selected endorsements Special provisions — Utah (DP 01 43) Automatic increase in insurance (DP 04 11) Broad theft coverage (DP 04 72) Dwelling under construction (DP 11 43)
    • Personal liability supplement
  • Homeowners Policy (9%)
    • Coverage forms HO-2 through HO-6 HO-8
    • Definitions
    • Section I — Property coverages Coverage A — Dwelling Coverage B — Other structures Coverage C — Personal property Coverage D — Loss of use Additional coverages
    • Section II — Liability coverages Coverage E — Personal liability Coverage F — Medical payments to others Additional coverages
    • Perils insured against
    • Exclusions
    • Conditions
    • Selected endorsements Special provisions — Utah (HO 01 43) Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27, HO 04 28) Permitted incidental occupancies — residence premises (HO 04 42) Earthquake (HO 04 54) Scheduled personal property (HO 04 61) Personal property replacement cost (HO 04 90) Home day care (HO 04 97) Business pursuits (HO 24 71) Personal injury (HO 24 82)
  • Auto Insurance (9%)
    • Laws Utah Financial Responsibility of Motor Vehicle Owners and Operators Act (RL 41-12a-101– 104) Required motor vehicle limits of liability (31A-22-301–304) Personal injury protection (31A-22-306–309) Medical Loss of income Special damages allowance Funeral Death Uninsured/underinsured motorist (31A-22- 305–305.3) Definitions Bodily injury Property damage (31A-22-305.5) UM/UIM rejection Required limits Utah Assigned Risk Insurance Plan (31A-22- 310) Aftermarket Crash Parts Act (31A-22-316– 319)
    • Personal auto policy Definitions Liability coverage Bodily injury and property damage Supplementary payments Exclusions Medical payments coverage Uninsured motorists coverage Coverage for damage to your auto Collision Other than collision Deductibles Transportation expenses Exclusions Duties after an accident or loss General provisions Selected endorsements Amendment of policy provisions — Utah (PP 01 93) Towing and labor costs (PP 03 03) Extended non-owned coverage — vehicles furnished or available for regular use (PP 03 06) Miscellaneous type vehicle (PP 03 23) Joint ownership coverage (PP 03 34)
    • Commercial auto Commercial auto coverage forms Business auto Garage Business auto physical damage Truckers Motor carrier Coverage form sections Covered autos Liability coverage Garagekeepers coverage Trailer interchange coverage Physical damage coverage Exclusions Conditions Definitions Selected endorsements Deductible liability (CA 03 01) Lessor — additional insured and loss payee (CA 20 01) Mobile equipment (CA 20 15) Broad form products (CA 25 01) False pretense coverage (CA 25 03) Auto medical payments coverage (CA 99 03) Drive other car coverage (CA 99 10) Hired autos specified as covered autos you own (CA 99 16) Individual named insured (CA 99 17) Employees as insureds (CA 99 33) Pollution liability — broadened coverage (CA 99 48; CA 99 55) Commercial carrier regulations The Motor Carrier Act of 1980 Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • Commercial Package Policy (CPP) (8%)
    • Components of a commercial policy Common policy declarations Common policy conditions Interline endorsements One or more coverage parts
    • Commercial general liability Commercial general liability coverage forms Bodily injury and property damage liability Personal and advertising injury liability Medical payments Supplementary payments Who is an insured Limits of insurance Conditions Definitions Exclusions Occurrence versus claims-made Claims-made features Trigger Retroactive date Extended reporting periods — basic versus supplemental Claim information Premises and operations Products and completed operations Insured contract Owners and contractors protective liability coverage form Pollution liability Pollution liability coverage form (CG 00 39) Pollution liability limited coverage form (CG 00 40) Pollution liability coverage extension endorsement (CG 04 22)
    • Commercial property Commercial property conditions form Coverage forms Building and personal property Condominium association Condominium commercial unit-owners Builders risk Business income Legal liability Extra expense Causes of loss forms Basic Broad Special Selected endorsements Ordinance or law (CP 04 05) Spoilage (CP 04 40) Peak season limit of insurance (CP 12 30) Value reporting form (CP 13 10)
    • Commercial crime General definitions Burglary Theft Robbery Crime coverage forms Commercial crime coverage forms (discovery/loss sustained) Government crime coverage forms (discovery/loss sustained) Coverages Employee theft Forgery or alteration Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Computer fraud Funds transfer fraud Money orders and counterfeit money Other crime coverages Extortion — commercial entities (CR 04 03) Lessees of safe deposit boxes (CR 04 09) Securities deposited with others (CR 04 10) Guests' property (CR 04 11) Safe depository (CR 04 12)
    • Commercial inland marine Nationwide marine definition Commercial inland marine conditions form Inland marine coverage forms Accounts receivable Bailee's customer Commercial articles Contractors equipment floater Electronic data processing Equipment dealers Installation floater Jewelers block Signs Valuable papers and records Transportation coverages Common carrier cargo liability Motor truck cargo forms Transit coverage forms
    • Equipment breakdown Equipment breakdown protection coverage form (EB 00 20) Selected endorsement Actual cash value (EB 99 59)
    • Farm coverage Farm property coverage form Coverage A — Dwellings Coverage B — Other private structures Coverage C — Household personal property Coverage D — Loss of use Coverage E — Scheduled personal property Coverage F — Unscheduled farm personal property Coverage G — Other farm structures Farm liability coverage form Coverage H — Bodily injury and property damage liability Coverage I — Personal and advertising injury liability Coverage J — Medical payments Mobile agricultural machinery and equipment coverage form Livestock coverage form Definitions Causes of loss (basic, broad and special) Conditions Exclusions Limits Additional coverages
  • Businessowners Policy (7%)
    • Characteristics and purpose
    • Businessowners Section I — Property Coverages Exclusions Limits Deductibles Loss conditions General conditions Optional coverages Definitions
    • Businessowners Section II — Liability Coverages Exclusions Who is an insured Limits of insurance General conditions Definitions
    • Businessowners Section III — Common Policy Conditions
    • Selected endorsements Hired auto and non-owned auto liability (BP 04 04) Protective safeguards (BP 04 30) Utility services — direct damage (BP 04 56) Utility services — time element (BP 04 57)
  • Workers Compensation Insurance (8%)
    • Workers compensation laws Type of law Monopolistic versus competitive Compulsory versus elective Utah Workers' Compensation Law Exclusive remedy (RL 34A-2-105) Employment covered (required, voluntary) (RL 34A-2-103, 104) Covered injuries (RL 34A-2-401, 402) Occupational disease (RL 34A-3-101– 112) Benefits provided (RL 34A-2-401, 408– 418) Employers' Reinsurance Fund (RL 34A-2- 702, 703) Uninsured Employers' Fund (RL 34A-2- 704) Federal workers compensation laws U.S. Longshore and Harbor Workers' Compensation Act (33 USC 904) The Jones Act (46 USC 688)
    • Workers compensation and employers liability insurance policy General section Part One — Workers compensation insurance Part Two — Employers liability insurance Part Three — Other states insurance Part Four — Your duties if injury occurs Part Five — Premium Part Six — Conditions Selected endorsements Voluntary compensation Foreign coverage Anniversary rating date Other states Sole proprietors, partners, officers and others coverage
Examination sources

Utah Adjuster's Workers Compensation Exam

Examination outline
  • Insurance Regulation (8%)
    • Licensing requirements Definitions (31A-26-102) Qualifications (31A-26-203, 205) Purpose (31A-26-202) Process (31A-26-202) Classifications of licenses (31A-26-204) Adjusters (31A-26-102, 201, 204 (1)(c)) Non-resident adjuster (31A-26-208) License/character requirements (31A-26-204 & 205) Licensing exceptions (31A-26-201 (2)) Change in name or address or phone number (31A-26-306 (1)(b)) Emergency adjuster license (31A-26-212)
    • Maintenance and duration Renewal (31A-26-213; 31A-26-214.5; Reg. R590-244-7though 9) Change in name, address, telephone number (31A-26-306 (1)(b)) Records (31A-26-306 (2-4)) Reinstatement (31A-26-214.5 (2); Reg. R590-244-8) Assumed name (31A-26-209(2) Continuing education requirements (31A-26- 206; Reg. R590-142-1 through 10) Reporting of actions (31A-26-203)
    • Disciplinary actions Probation (31A-26-214) Termination, suspension, revocation, refusal to issue or renew (31A-26-213) Monetary forfeiture (fines) (31A-2-308)
    • Claim settlement laws and regulations Unfair claim settlement practices (31A-26- 303; Reg R590-190–192) Producer regulation Place of business/records maintenance (31A- 26-102)
  • Workers Compensation Insurance (44%)
    • Workers compensation laws Types of laws Monopolistic versus competitive Compulsory versus elective Utah's Workers Compensation Law (UT Labor Code Chp. 2, 3, 8a; 31A-33-101-105, 111- 118; 31A-19a-401-408; 31A-22-1001- 1010,1012,1013; 78B-4-603; R602-6-3; Bulletin 92-7 (Amended)) Exclusive remedy Employment covered (required, voluntary) Covered injuries Occupational disease Benefits provided Subrogation Bars to recovery Average weekly wage Notice of injury and claim Medical examination Managed care Compensation agreements and disputed claims Second injury fund Federal workers compensation laws Federal Employers Liability Act (FELA) (45 USC 51–60) U.S. Longshore and Harbor Workers Compensation Act (33 USC 904) The Jones Act (46 USC 688)
    • Workers compensation and employers liability insurance policy General section Part One — Workers compensation insurance Part Two — Employers liability insurance Part Three — Other states insurance Part Four — Your duties if injury occurs Part Five — Premium Part Six — Conditions Selected endorsements Voluntary compensation Foreign coverage endorsement Other states Anniversary date Sole proprietor, partners, officers and others coverage
  • Workers Compensation Claim Principles (38%)
    • Role of the adjuster Duties and responsibilities Relationship to the legal profession
    • Contract basics Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Distinct characteristics of an insurance contract Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Utmost good faith Representations/misrepresentations Warranties Concealment Fraud
    • Negligence Elements of a negligent act Defenses against negligence Absolute liability Strict liability Vicarious liability
    • Controlling medical costs Managed care Utilization review Inpatient services Outpatient services Hospital bill auditing Designated provider
    • Investigation and evaluation Compensability Employee/non-employee Arising out of employment Arising in the course of employment Documentation First report of injury Claimant statement Insured's records Witness statements Current activity reports Medical determination Medical authorization Diagnosis Prognosis Independent Medical Examinations (IMEs)
    • Claim reserves Components Indemnity Medical Expense Factors affecting reserves Reserving techniques Individual case method Formula method Round-table technique
    • Claims management Analysis On-site inspections Selecting an evaluating physician Physician evaluation Disposition Litigation management Settlement negotiation
  • Understanding the Language of Medical Reports (10%)
    • Medical terminology and abbreviations Location terms Movement terms Prefixes, suffixes and root words Abbreviations used in medical reports Medical specialties
    • Basic human anatomy Skeletal structure Nervous system Respiratory system Cardiovascular system Abdominal organs
    • Common occupational injuries and disease Strains and sprains Dislocations Fractures Soft tissue injuries Brain injuries Burn classifications Cumulative trauma Repetitive motion injuries Lung diseases
    • Medical tests Laboratory Radiography (X-ray) Magnetic resonance imaging (MRI) Computerized tomography (CT or CAT) Electromyography (EMG) Nerve conduction studies Myelography Arthroscopy Electrocardiogram (EKG or ECG) Electroencephalography (EEG)
Examination sources