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Vermont Public Adjuster — Requirements & Free Practice

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Public Adjuster License

License for adjusting claims on behalf of insureds. Resident and nonresident individuals are eligible under the statutory conditions. Section 4800(3)(D)(iii) also permits a business-entity applicant at the Commissioner’s discretion; that secondary issuance route is separately noted as unresolved. Lawyers settling client claims are outside the statutory public-adjuster definition.

Licensing authority: Vermont Department of Financial Regulation · Application information

Nonresident initial licensure with a like license and conditional examination waiver
Vermont Adjuster's Examination for Property and Casualty Insurance
Age
At least 18 years old (8 V.S.A. § 4803(a)(1)).
Application And Fees
Submit the prescribed application and $30 application fee plus $200 license fee. Background-question supporting documents and requested additional information must be supplied; NIPR specifies 30 days for additional documentation.
Board Exam Evidence
DFR Public Adjuster page says all applicants must satisfy an examination requirement. A nonresident who has not taken an examination or resides where no licensing examination is required may submit certification from another state in which an examination was taken and the applicant is currently licensed, or pass Vermont’s Adjuster’s Property and Casualty examination and submit the original score report. The unidentified other-state examination is a condition only.
Coverage
Property and Casualty are issued together and cannot be held separately, as stated on the NIPR initial application requirements.
Exam Waiver
Under section 4800(3)(B)(iv), the Commissioner may excuse taking the otherwise-required written examination when the applicant has passed a comparable written examination or continuously held a like license since before the written examination became required. This discretion is a condition; the Vermont examination remains involved in the route.
Experience Or Training Or Supervision
Section 4803(a)(4): at least two years of loss-claim experience, or special training of sufficient duration and scope, or employment under immediate personal supervision of a Vermont-licensed adjuster, workers’ compensation adjuster, public adjuster or appraiser established in business for at least three preceding years. DFR’s public-adjuster page specifies a licensed public-adjuster supervisor and requests detailed curriculum, syllabi and materials for recognized special training. The statutory experience provision excepts persons holding existing adjuster/public-adjuster licenses immediately before July 1, 1974.
Fitness
Commissioner must find the applicant competent, trustworthy, financially responsible and of good personal and business reputation.
Home State Instructions
DFR’s Public Adjuster page states, "Public Adjusters who have a Designated Home State (DHS), can apply using NIPR;". NIPR’s Vermont Non-Resident Adjuster Licensing page states, "Public Adjusters may not designate a Home State." Both official instructions are preserved as application conditions; Vermont cannot itself be designated as the home state.
Residency And License
Nonresident; section 4800(3)(B)(i) requires a like license in the United States or a province of Canada. A foreign or another state’s license or examination is applicant evidence, not a Vermont examination leaf.
Retaliatory Fees
Pay the Vermont fee or the higher applicable retaliatory fee based on residence.
Score Window
Submit the license application within 24 months after the examination under section 4800(3)(D)(i); a currently offered examination’s passing score remains an exam leaf.
Submission
Nonresident applicants must use NIPR; the bulletin permits a hardship request by signed statement to DFR. The application designates the Commissioner for service of process under section 4800(3)(B)(ii).
Nonresident initial licensure through the No Home State application
Vermont Adjuster's Examination for Property and Casualty Insurance
Age
At least 18 years old (8 V.S.A. § 4803(a)(1)).
Application And Fees
Submit the prescribed application and $30 application fee plus $200 license fee. Background-question supporting documents and requested additional information must be supplied; NIPR specifies 30 days for additional documentation.
Board Exam Evidence
DFR Public Adjuster page says all applicants must satisfy an examination requirement. A nonresident who has not taken an examination or resides where no licensing examination is required may submit certification from another state in which an examination was taken and the applicant is currently licensed, or pass Vermont’s Adjuster’s Property and Casualty examination and submit the original score report. The unidentified other-state examination is a condition only.
Coverage
Property and Casualty are issued together and cannot be held separately, as stated on the NIPR initial application requirements.
Exam Waiver
Under section 4800(3)(B)(iv), the Commissioner may excuse taking the otherwise-required written examination when the applicant has passed a comparable written examination or continuously held a like license since before the written examination became required. This discretion is a condition; the Vermont examination remains involved in the route.
Experience Or Training Or Supervision
Section 4803(a)(4): at least two years of loss-claim experience, or special training of sufficient duration and scope, or employment under immediate personal supervision of a Vermont-licensed adjuster, workers’ compensation adjuster, public adjuster or appraiser established in business for at least three preceding years. DFR’s public-adjuster page specifies a licensed public-adjuster supervisor and requests detailed curriculum, syllabi and materials for recognized special training. The statutory experience provision excepts persons holding existing adjuster/public-adjuster licenses immediately before July 1, 1974.
Fitness
Commissioner must find the applicant competent, trustworthy, financially responsible and of good personal and business reputation.
Home State Instructions
DFR’s Public Adjuster page states, "Public Adjusters who have a Designated Home State (DHS), can apply using NIPR;". NIPR’s Vermont Non-Resident Adjuster Licensing page states, "Public Adjusters may not designate a Home State." Both official instructions are preserved as application conditions; Vermont cannot itself be designated as the home state.
No Resident License
NIPR’s Vermont No Home State application states: "The applicant may not hold an active resident license in any state." This does not repeal section 4800(3)(B)(i)’s like-license prerequisite; a qualifying nonresident license elsewhere remains applicant evidence.
Residency And License
Nonresident; section 4800(3)(B)(i) requires a like license in the United States or a province of Canada. A foreign or another state’s license or examination is applicant evidence, not a Vermont examination leaf.
Retaliatory Fees
Pay the Vermont fee or the higher applicable retaliatory fee based on residence.
Score Window
Submit the license application within 24 months after the examination under section 4800(3)(D)(i); a currently offered examination’s passing score remains an exam leaf.
Submission
Apply through the NIPR Non-Resident No Home State License application; public adjusters are treated as producers in that application. NIPR requires the examination to have been passed before applying.
Reapplication after expiration — nonresident no home state
Vermont Adjuster's Examination for Property and Casualty Insurance
Age
At least 18 years old (8 V.S.A. § 4803(a)(1)).
Application And Fees
Submit the prescribed application and $30 application fee plus $200 license fee. Background-question supporting documents and requested additional information must be supplied; NIPR specifies 30 days for additional documentation.
Board Exam Evidence
DFR Public Adjuster page says all applicants must satisfy an examination requirement. A nonresident who has not taken an examination or resides where no licensing examination is required may submit certification from another state in which an examination was taken and the applicant is currently licensed, or pass Vermont’s Adjuster’s Property and Casualty examination and submit the original score report. The unidentified other-state examination is a condition only.
Coverage
Property and Casualty are issued together and cannot be held separately, as stated on the NIPR initial application requirements.
Exam Waiver
Under section 4800(3)(B)(iv), the Commissioner may excuse taking the otherwise-required written examination when the applicant has passed a comparable written examination or continuously held a like license since before the written examination became required. This discretion is a condition; the Vermont examination remains involved in the route.
Experience Or Training Or Supervision
Section 4803(a)(4): at least two years of loss-claim experience, or special training of sufficient duration and scope, or employment under immediate personal supervision of a Vermont-licensed adjuster, workers’ compensation adjuster, public adjuster or appraiser established in business for at least three preceding years. DFR’s public-adjuster page specifies a licensed public-adjuster supervisor and requests detailed curriculum, syllabi and materials for recognized special training. The statutory experience provision excepts persons holding existing adjuster/public-adjuster licenses immediately before July 1, 1974.
Expired License
The prior public-adjuster license has expired. NIPR’s public-adjuster-specific table states: Public Adjuster Renewal period Starts: Ninety (90) days prior to expiration. Ends: Every even year on March 31. Late renewal period N/A Reinstatement period N/A Reapplication period After expiration, the applicant must apply as a new licensee and meet all new licensing requirements, including examination.. This is reapplication through initial licensing rather than a separate reinstatement period. All new applicant requirements, including the examination when not waived, apply.
Fitness
Commissioner must find the applicant competent, trustworthy, financially responsible and of good personal and business reputation.
Home State Instructions
DFR’s Public Adjuster page states, "Public Adjusters who have a Designated Home State (DHS), can apply using NIPR;". NIPR’s Vermont Non-Resident Adjuster Licensing page states, "Public Adjusters may not designate a Home State." Both official instructions are preserved as application conditions; Vermont cannot itself be designated as the home state.
No Resident License
NIPR’s Vermont No Home State application states: "The applicant may not hold an active resident license in any state." This does not repeal section 4800(3)(B)(i)’s like-license prerequisite; a qualifying nonresident license elsewhere remains applicant evidence.
Residency And License
Nonresident; section 4800(3)(B)(i) requires a like license in the United States or a province of Canada. A foreign or another state’s license or examination is applicant evidence, not a Vermont examination leaf.
Retaliatory Fees
Pay the Vermont fee or the higher applicable retaliatory fee based on residence.
Score Window
Submit the license application within 24 months after the examination under section 4800(3)(D)(i); a currently offered examination’s passing score remains an exam leaf.
Submission
Apply through the NIPR Non-Resident No Home State License application; public adjusters are treated as producers in that application. NIPR requires the examination to have been passed before applying.
Nonresident No Home State biennial renewal
No examination is required for this applicant pathway.
Active License
Hold an active public-adjuster license eligible for renewal.
Application And Fees
File the prescribed renewal application and $200 renewal fee before expiration; nonresident retaliatory fees may apply. Paper processing requires an unavailable electronic option or a granted hardship exception. Background-question documents must be supplied when applicable.
Continuing Education
DFR’s public-adjuster FAQ states no continuing education is required.
Coverage
Renew the public-adjuster Property and Casualty coverage.
Expired License
The public-adjuster table gives no late-renewal or reinstatement period; after expiration use the initial application and satisfy its requirements.
No Resident License
The No Home State renewal page requires the applicant to hold no active resident license in any state.
Renewal Window
Renew during the 90 days before March 31 of an even-numbered year; licenses have a fixed term and fees are not prorated.
Residency
Nonresident; section 4800(3)(B)(i) requires a like license in the United States or a province of Canada. A foreign or another state’s license or examination is applicant evidence, not a Vermont examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after expiration — nonresident
Vermont Adjuster's Examination for Property and Casualty Insurance
Age
At least 18 years old (8 V.S.A. § 4803(a)(1)).
Application And Fees
Submit the prescribed application and $30 application fee plus $200 license fee. Background-question supporting documents and requested additional information must be supplied; NIPR specifies 30 days for additional documentation.
Board Exam Evidence
DFR Public Adjuster page says all applicants must satisfy an examination requirement. A nonresident who has not taken an examination or resides where no licensing examination is required may submit certification from another state in which an examination was taken and the applicant is currently licensed, or pass Vermont’s Adjuster’s Property and Casualty examination and submit the original score report. The unidentified other-state examination is a condition only.
Coverage
Property and Casualty are issued together and cannot be held separately, as stated on the NIPR initial application requirements.
Exam Waiver
Under section 4800(3)(B)(iv), the Commissioner may excuse taking the otherwise-required written examination when the applicant has passed a comparable written examination or continuously held a like license since before the written examination became required. This discretion is a condition; the Vermont examination remains involved in the route.
Experience Or Training Or Supervision
Section 4803(a)(4): at least two years of loss-claim experience, or special training of sufficient duration and scope, or employment under immediate personal supervision of a Vermont-licensed adjuster, workers’ compensation adjuster, public adjuster or appraiser established in business for at least three preceding years. DFR’s public-adjuster page specifies a licensed public-adjuster supervisor and requests detailed curriculum, syllabi and materials for recognized special training. The statutory experience provision excepts persons holding existing adjuster/public-adjuster licenses immediately before July 1, 1974.
Expired License
The prior public-adjuster license has expired. NIPR’s public-adjuster-specific table states: Public Adjuster Renewal period Starts: Ninety (90) days prior to the expiration. Ends: Every even year on March 31. Late renewal period N/A Reinstatement period N/A Reapplication period After expiration, the individual must apply as a new applicant through the initial license application.. This is reapplication through initial licensing rather than a separate reinstatement period. All new applicant requirements, including the examination when not waived, apply.
Fitness
Commissioner must find the applicant competent, trustworthy, financially responsible and of good personal and business reputation.
Home State Instructions
DFR’s Public Adjuster page states, "Public Adjusters who have a Designated Home State (DHS), can apply using NIPR;". NIPR’s Vermont Non-Resident Adjuster Licensing page states, "Public Adjusters may not designate a Home State." Both official instructions are preserved as application conditions; Vermont cannot itself be designated as the home state.
Residency And License
Nonresident; section 4800(3)(B)(i) requires a like license in the United States or a province of Canada. A foreign or another state’s license or examination is applicant evidence, not a Vermont examination leaf.
Retaliatory Fees
Pay the Vermont fee or the higher applicable retaliatory fee based on residence.
Score Window
Submit the license application within 24 months after the examination under section 4800(3)(D)(i); a currently offered examination’s passing score remains an exam leaf.
Submission
Nonresident applicants must use NIPR; the bulletin permits a hardship request by signed statement to DFR. The application designates the Commissioner for service of process under section 4800(3)(B)(ii).
Nonresident biennial renewal
No examination is required for this applicant pathway.
Active License
Hold an active public-adjuster license eligible for renewal.
Application And Fees
File the prescribed renewal application and $200 renewal fee before expiration; nonresident retaliatory fees may apply. Paper processing requires an unavailable electronic option or a granted hardship exception. Background-question documents must be supplied when applicable.
Continuing Education
DFR’s public-adjuster FAQ states no continuing education is required.
Coverage
Renew the public-adjuster Property and Casualty coverage.
Expired License
The public-adjuster table gives no late-renewal or reinstatement period; after expiration use the initial application and satisfy its requirements.
Renewal Window
Renew during the 90 days before March 31 of an even-numbered year; licenses have a fixed term and fees are not prorated.
Residency
Nonresident; section 4800(3)(B)(i) requires a like license in the United States or a province of Canada. A foreign or another state’s license or examination is applicant evidence, not a Vermont examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Vermont Adjuster's Examination for Property and Casualty Insurance
Age
At least 18 years old (8 V.S.A. § 4803(a)(1)).
Application And Fees
Submit the prescribed application and $30 application fee plus $200 license fee. Background-question supporting documents and requested additional information must be supplied; NIPR specifies 30 days for additional documentation.
Coverage
Property and Casualty are issued together and cannot be held separately, as stated on the NIPR initial application requirements.
Experience Or Training Or Supervision
Section 4803(a)(4): at least two years of loss-claim experience, or special training of sufficient duration and scope, or employment under immediate personal supervision of a Vermont-licensed adjuster, workers’ compensation adjuster, public adjuster or appraiser established in business for at least three preceding years. DFR’s public-adjuster page specifies a licensed public-adjuster supervisor and requests detailed curriculum, syllabi and materials for recognized special training. The statutory experience provision excepts persons holding existing adjuster/public-adjuster licenses immediately before July 1, 1974.
Fitness
Commissioner must find the applicant competent, trustworthy, financially responsible and of good personal and business reputation.
Residency
Reside in Vermont or maintain the principal place of business there. Electing Vermont residency for licensing is incompatible with claiming or applying for resident licensing elsewhere.
Score Window
Submit the license application within 24 months after the examination under section 4800(3)(D)(i); a currently offered examination’s passing score remains an exam leaf.
Submission
Apply using NIPR or submit the NAIC Uniform Individual Application with original passing score report, Attachment 2 certification of examination and Vermont Unfair Trade Practices Act knowledge, and fees. NIPR requires a physical residence address rather than a P.O. Box or private mail box.
Reapplication after expiration — resident
Vermont Adjuster's Examination for Property and Casualty Insurance
Age
At least 18 years old (8 V.S.A. § 4803(a)(1)).
Application And Fees
Submit the prescribed application and $30 application fee plus $200 license fee. Background-question supporting documents and requested additional information must be supplied; NIPR specifies 30 days for additional documentation.
Coverage
Property and Casualty are issued together and cannot be held separately, as stated on the NIPR initial application requirements.
Experience Or Training Or Supervision
Section 4803(a)(4): at least two years of loss-claim experience, or special training of sufficient duration and scope, or employment under immediate personal supervision of a Vermont-licensed adjuster, workers’ compensation adjuster, public adjuster or appraiser established in business for at least three preceding years. DFR’s public-adjuster page specifies a licensed public-adjuster supervisor and requests detailed curriculum, syllabi and materials for recognized special training. The statutory experience provision excepts persons holding existing adjuster/public-adjuster licenses immediately before July 1, 1974.
Expired License
The prior public-adjuster license has expired. NIPR’s public-adjuster-specific table states: Public Adjuster Renewal period Starts: Ninety (90) days prior to expiration. Ends: Every even year on March 31. Late renewal period N/A Reinstatement period N/A Reapplication period After expiration, the applicant must apply as a new licensee and meet all new licensing requirements, including examination.. This is reapplication through initial licensing rather than a separate reinstatement period. All new applicant requirements, including the examination when not waived, apply.
Fitness
Commissioner must find the applicant competent, trustworthy, financially responsible and of good personal and business reputation.
Residency
Reside in Vermont or maintain the principal place of business there. Electing Vermont residency for licensing is incompatible with claiming or applying for resident licensing elsewhere.
Score Window
Submit the license application within 24 months after the examination under section 4800(3)(D)(i); a currently offered examination’s passing score remains an exam leaf.
Submission
Apply using NIPR or submit the NAIC Uniform Individual Application with original passing score report, Attachment 2 certification of examination and Vermont Unfair Trade Practices Act knowledge, and fees. NIPR requires a physical residence address rather than a P.O. Box or private mail box.
Resident biennial renewal
No examination is required for this applicant pathway.
Active License
Hold an active public-adjuster license eligible for renewal.
Application And Fees
File the prescribed renewal application and $200 renewal fee before expiration; nonresident retaliatory fees may apply. Paper processing requires an unavailable electronic option or a granted hardship exception. Background-question documents must be supplied when applicable.
Continuing Education
DFR’s public-adjuster FAQ states no continuing education is required.
Coverage
Renew the public-adjuster Property and Casualty coverage.
Expired License
The public-adjuster table gives no late-renewal or reinstatement period; after expiration use the initial application and satisfy its requirements.
Renewal Window
Renew during the 90 days before March 31 of an even-numbered year; licenses have a fixed term and fees are not prorated.
Residency
Reside in Vermont or maintain the principal place of business there. Electing Vermont residency for licensing is incompatible with claiming or applying for resident licensing elsewhere.

Official no-examination sources

Effective from 2026-09-22.

Vermont Adjuster's Examination for Property and Casualty Insurance

Provider
Prometric
Format
Computer-administered, four-option multiple-choice questions
Exam questions
150 scored questions plus 5 unscored items
Time limit
2.5 hours
Examination outline
  • Insurance Regulation (5%)
    • 1.1 Licensing requirements
    • Licensing requirements — Qualifications (4803(a))
    • Licensing requirements — Process (4800, 4800a)
    • Licensing requirements — Licensing exceptions (4803(d)(2))
    • Licensing requirements — Nonresident adjuster (4803(d))
    • 1.2 Maintenance and duration
    • Maintenance and duration — Renewal (4798, 4800a)
    • Maintenance and duration — Expiration (4798)
    • Maintenance and duration — Records (4803(c))
    • 1.3 Disciplinary actions
    • Disciplinary actions — Denial of license (4800(3)(E))
    • Disciplinary actions — Cease and desist order (3661)
    • Disciplinary actions — Suspension, revocation or nonrenewal (4804; 4806)
    • Disciplinary actions — Fines (4804(d))
    • 1.4 Claims settlement laws and regulations (4724(9);
    • Claims settlement laws and regulations (4724(9); — Reg 79-2 Sec 1-9; Bulletin 162)
    • 1.5 Federal regulation
    • Federal regulation — Fraud and false statements (18 USC 1033, 1034)
  • Insurance Basics (15%)
    • 2.1 Contracts
    • Contracts — Elements of a legal contract
    • Contracts — Elements of a legal contract — Offer and acceptance
    • Contracts — Elements of a legal contract — Consideration
    • Contracts — Elements of a legal contract — Competent parties
    • Contracts — Elements of a legal contract — Legal purpose
    • Contracts — Distinct characteristics of an insurance contract
    • Contracts — Distinct characteristics of an insurance contract — Contract of adhesion
    • Contracts — Distinct characteristics of an insurance contract — Aleatory contract
    • Contracts — Distinct characteristics of an insurance contract — Personal contract
    • Contracts — Distinct characteristics of an insurance contract — Unilateral contract
    • Contracts — Legal interpretations affecting contracts
    • Contracts — Legal interpretations affecting contracts — Ambiguities in a contract of adhesion
    • Contracts — Legal interpretations affecting contracts — Reasonable expectations
    • Contracts — Legal interpretations affecting contracts — Indemnity
    • Contracts — Legal interpretations affecting contracts — Utmost good faith
    • Contracts — Legal interpretations affecting contracts — Representations/misrepresentations
    • Contracts — Legal interpretations affecting contracts — Warranties
    • Contracts — Legal interpretations affecting contracts — Concealment
    • Contracts — Legal interpretations affecting contracts — Fraud
    • Contracts — Legal interpretations affecting contracts — Waiver and estoppel
    • 2.2 Principles and concepts
    • Principles and concepts — Insurable interest
    • Principles and concepts — Hazards
    • Principles and concepts — Hazards — Physical
    • Principles and concepts — Hazards — Moral
    • Principles and concepts — Hazards — Morale
    • Principles and concepts — Negligence
    • Principles and concepts — Negligence — Elements of a negligent act
    • Principles and concepts — Negligence — Defenses against negligence
    • Principles and concepts — Damages
    • Principles and concepts — Damages — Compensatory — special versus general
    • Principles and concepts — Damages — Punitive
    • Principles and concepts — Absolute liability
    • Principles and concepts — Strict liability
    • Principles and concepts — Vicarious liability
    • Principles and concepts — Causes of loss (perils)
    • Principles and concepts — Named perils versus special (open) perils
    • Principles and concepts — Direct loss
    • Principles and concepts — Consequential or indirect loss
    • Principles and concepts — Blanket versus specific insurance
    • Principles and concepts — Basic types of construction
    • Principles and concepts — Loss valuation
    • Principles and concepts — Loss valuation — Actual cash value
    • Principles and concepts — Loss valuation — Replacement cost
    • Principles and concepts — Loss valuation — Functional replacement cost
    • Principles and concepts — Loss valuation — Market value
    • Principles and concepts — Loss valuation — Agreed value
    • Principles and concepts — Loss valuation — Stated amount
    • Principles and concepts — Loss valuation — Valued policy
    • 2.3 Policy structure
    • Policy structure — Declarations
    • Policy structure — Definitions
    • Policy structure — Insuring agreement or clause
    • Policy structure — Additional/supplementary coverage
    • Policy structure — Conditions
    • Policy structure — Exclusions
    • Policy structure — Endorsements
    • 2.4 Common policy provisions
    • Common policy provisions — Insureds — named, first named, additional
    • Common policy provisions — Policy period
    • Common policy provisions — Policy territory
    • Common policy provisions — Cancellation and nonrenewal
    • Common policy provisions — Deductibles
    • Common policy provisions — Other insurance
    • Common policy provisions — Other insurance — Nonconcurrency
    • Common policy provisions — Other insurance — Primary and excess
    • Common policy provisions — Other insurance — Pro rata
    • Common policy provisions — Other insurance — Contribution by equal shares
    • Common policy provisions — Limits of liability
    • Common policy provisions — Limits of liability — Per occurrence (accident)
    • Common policy provisions — Limits of liability — Per person
    • Common policy provisions — Limits of liability — Aggregate — general versus products — completed operations
    • Common policy provisions — Limits of liability — Split
    • Common policy provisions — Limits of liability — Combined single
    • Common policy provisions — Restoration/nonreduction of limits
    • Common policy provisions — Coinsurance
    • Common policy provisions — Vacancy or unoccupancy
    • Common policy provisions — Assignment
    • Common policy provisions — Insurer provisions
    • Common policy provisions — Insurer provisions — Liberalization
    • Common policy provisions — Insurer provisions — Duty to defend
    • Common policy provisions — Third-party provisions
    • Common policy provisions — Third-party provisions — Standard mortgage clause
    • Common policy provisions — Third-party provisions — Loss payable clause
    • Common policy provisions — Third-party provisions — No benefit to Bailee
    • 2.5 Vermont laws, regulations and required
    • Vermont laws, regulations and required — provisions
    • Vermont laws, regulations and required — Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
    • Vermont laws, regulations and required — Renewal notice (3882; 4715)
    • Vermont laws, regulations and required — Cancellation and nonrenewal (3879–3881; 3883; 4711–4714)
    • Vermont laws, regulations and required — Coinsurance (3961–3968)
    • Vermont laws, regulations and required — Pollution coverage (Bul 111)
    • Vermont laws, regulations and required — Required provisions (4203)
  • Adjusting Losses (20%)
    • 3.1 Role of the adjuster
    • Role of the adjuster — Duties and responsibilities
    • Role of the adjuster — Staff and independent adjuster versus public adjuster (4791)
    • Role of the adjuster — Relationship to the legal profession
    • 3.2 Claim reporting
    • Claim reporting — Claim investigation
    • Claim reporting — Claim file documentation of events
    • Claim reporting — Types of reports
    • Claim reporting — Types of reports — Initial or first field
    • Claim reporting — Types of reports — Interim or status
    • Claim reporting — Types of reports — Full formal
    • 3.3 Property losses
    • Property losses — Duties of insured after a loss
    • Property losses — Duties of insured after a loss — Notice to insurer
    • Property losses — Duties of insured after a loss — Minimizing the loss
    • Property losses — Duties of insured after a loss — Proof of loss
    • Property losses — Duties of insured after a loss — Special requirements
    • Property losses — Duties of insured after a loss — Production of books and records
    • Property losses — Duties of insured after a loss — Abandonment
    • Property losses — Determining value and loss
    • Property losses — Determining value and loss — Burden of proof of value and loss
    • Property losses — Determining value and loss — Estimates
    • Property losses — Determining value and loss — Depreciation
    • Property losses — Determining value and loss — Salvage
    • Property losses — Claim settlement options
    • Property losses — Payment and discharge
    • 3.4 Liability losses
    • Liability losses — Investigation procedures
    • Liability losses — Investigation procedures — Verify coverage
    • Liability losses — Investigation procedures — Determine liability
    • Liability losses — Gathering evidence
    • Liability losses — Gathering evidence — Physical evidence
    • Liability losses — Gathering evidence — Witness statements
    • Liability losses — Gathering evidence — Police reports
    • Liability losses — Determining value of intangible damages
    • 3.5 Coverage problems
    • Coverage problems — Dealing with coverage disputes
    • Coverage problems — Dealing with coverage disputes — Reservation of rights letter
    • Coverage problems — Dealing with coverage disputes — Nonwaiver agreement
    • Coverage problems — Dealing with coverage disputes — Declaratory judgment action
    • 3.6 Claims adjustment procedures
    • Claims adjustment procedures — Settlement procedures
    • Claims adjustment procedures — Settlement procedures — Advance payments
    • Claims adjustment procedures — Settlement procedures — Draft authority
    • Claims adjustment procedures — Settlement procedures — Execution of releases
    • Claims adjustment procedures — Subrogation procedures
    • Claims adjustment procedures — Alternative dispute resolution
    • Claims adjustment procedures — Alternative dispute resolution — Appraisal
    • Claims adjustment procedures — Alternative dispute resolution — Arbitration
    • Claims adjustment procedures — Alternative dispute resolution — Competitive estimates
    • Claims adjustment procedures — Alternative dispute resolution — Mediation
    • Claims adjustment procedures — Alternative dispute resolution — Negotiation
  • Dwelling Policy (6%)
    • 4.1 Characteristics and purpose
    • 4.2 Coverage forms — Perils insured against
    • Coverage forms — Perils insured against — Basic
    • Coverage forms — Perils insured against — Broad
    • Coverage forms — Perils insured against — Special
    • 4.3 Property coverages
    • Property coverages — Coverage A — Dwelling
    • Property coverages — Coverage B — Other structures
    • Property coverages — Coverage C — Personal property
    • Property coverages — Coverage D — Fair rental value
    • Property coverages — Coverage E — Additional living expense
    • Property coverages — Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions
    • 4.6 Selected endorsements
    • Selected endorsements — Special provisions — Vermont (DP 01 44)
    • Selected endorsements — Automatic increase in insurance (DP 04 11)
    • Selected endorsements — Broad theft coverage (DP 04 72)
    • Selected endorsements — Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
  • Homeowners Policy (15%)
    • 5.1 Coverage forms
    • Coverage forms — HO-2 through HO-6
    • 5.2 Definitions
    • 5.3 Section I — Property coverages
    • Section I — Property coverages — Coverage A — Dwelling
    • Section I — Property coverages — Coverage B — Other structures
    • Section I — Property coverages — Coverage C — Personal property
    • Section I — Property coverages — Coverage D — Loss of use
    • Section I — Property coverages — Additional coverages
    • 5.4 Section II — Liability coverages
    • Section II — Liability coverages — Coverage E — Personal liability
    • Section II — Liability coverages — Coverage F — Medical payments to others
    • Section II — Liability coverages — Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • Selected endorsements — Special provisions — Vermont (HO 01 44)
    • Selected endorsements — Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
    • Selected endorsements — Permitted incidental occupancies (HO 04 42)
    • Selected endorsements — Earthquake (HO 04 54)
    • Selected endorsements — Scheduled personal property (HO 04 61)
    • Selected endorsements — Personal property replacement cost (HO 04 90)
    • Selected endorsements — Home day care — Vermont (HO 23 45)
    • Selected endorsements — Business pursuits (HO 24 71)
    • Selected endorsements — Watercraft (HO 24 75)
    • Selected endorsements — Personal injury (HO 24 82)
  • Auto Insurance (12%)
    • 6.1 Laws
    • Laws — Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Chapter 11 Sec 800–943)
    • Laws — Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Chapter 11 Sec 800–943) — Required limits of liability (Title 23 Chapter 11 Sec 801)
    • Laws — Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Chapter 11 Sec 800–943) — Required proof of insurance (Bul 77)
    • Laws — Vermont Automobile Insurance Plan (4241–4246)
    • Laws — Vermont Automobile Insurance Plan (4241–4246) — Eligibility
    • Laws — Vermont Automobile Insurance Plan (4241–4246) — Liability limitations
    • Laws — Vermont Automobile Insurance Plan (4241–4246) — Physical damage coverage limitations
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941)
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Definitions
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Required limits of liability
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Bodily injury
    • Laws — Uninsured/underinsured motorist (Title 23 Chapter 11 Sec 941) — Property damage
    • Laws — Cancellation/nonrenewal
    • Laws — Cancellation/nonrenewal — Grounds (4223)
    • Laws — Cancellation/nonrenewal — Notice (4224–4226)
    • 6.2 Personal auto policy
    • Personal auto policy — Definitions
    • Personal auto policy — Liability coverage
    • Personal auto policy — Liability coverage — Bodily injury and property damage
    • Personal auto policy — Liability coverage — Supplementary payments
    • Personal auto policy — Liability coverage — Exclusions
    • Personal auto policy — Liability coverage — Duty to defend
    • Personal auto policy — Medical payments
    • Personal auto policy — Uninsured motorist/underinsured motorist coverage
    • Personal auto policy — Coverage for damage to your auto
    • Personal auto policy — Coverage for damage to your auto — Collision
    • Personal auto policy — Coverage for damage to your auto — Other than collision
    • Personal auto policy — Coverage for damage to your auto — Deductibles
    • Personal auto policy — Coverage for damage to your auto — Transportation expense
    • Personal auto policy — Coverage for damage to your auto — Exclusions
    • Personal auto policy — Duties after an accident or loss
    • Personal auto policy — General provisions
    • Personal auto policy — Selected endorsements
    • Personal auto policy — Selected endorsements — Amendment of policy provisions — Vermont (PP 01 72)
    • Personal auto policy — Selected endorsements — Towing and labor costs (PP 03 03)
    • Personal auto policy — Selected endorsements — Extended non-owned coverage (PP 03 06)
    • Personal auto policy — Selected endorsements — Miscellaneous type vehicle (PP 03 23)
    • Personal auto policy — Selected endorsements — Joint ownership coverage — Vermont (PP 03 80)
    • 6.3 Commercial auto
    • Commercial auto — Commercial auto coverage forms
    • Commercial auto — Commercial auto coverage forms — Business auto
    • Commercial auto — Commercial auto coverage forms — Business auto physical damage
    • Commercial auto — Commercial auto coverage forms — Truckers
    • Commercial auto — Commercial auto coverage forms — Motor carrier
    • Commercial auto — Coverage form sections
    • Commercial auto — Coverage form sections — Covered autos
    • Commercial auto — Coverage form sections — Liability coverage
    • Commercial auto — Coverage form sections — Garagekeepers coverage
    • Commercial auto — Coverage form sections — Trailer interchange coverage
    • Commercial auto — Coverage form sections — Physical damage coverage
    • Commercial auto — Coverage form sections — Exclusions
    • Commercial auto — Coverage form sections — Conditions
    • Commercial auto — Coverage form sections — Definitions
    • Commercial auto — Selected endorsements
    • Commercial auto — Selected endorsements — Lessor — additional insured and loss payee (CA 20 01)
    • Commercial auto — Selected endorsements — Mobile equipment (CA 20 15)
    • Commercial auto — Selected endorsements — Auto medical payments coverage (CA 99 03)
    • Commercial auto — Selected endorsements — Drive other car coverage (CA 99 10)
    • Commercial auto — Selected endorsements — Individual named insured (CA 99 17)
    • Commercial auto — Commercial carrier regulations
    • Commercial auto — Commercial carrier regulations — The Motor Carrier Act of 1980
    • Commercial auto — Commercial carrier regulations — Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • Commercial Package Policy (CPP) (12%)
    • 7.1 Components of a commercial policy
    • Components of a commercial policy — Common policy declarations
    • Components of a commercial policy — Common policy conditions
    • Components of a commercial policy — Interline endorsements
    • Components of a commercial policy — One or more coverage parts
    • 7.2 Commercial general liability
    • Commercial general liability — Commercial general liability coverage forms
    • Commercial general liability — Commercial general liability coverage forms — Bodily injury and property damage liability
    • Commercial general liability — Commercial general liability coverage forms — Personal and advertising injury liability
    • Commercial general liability — Commercial general liability coverage forms — Medical payments
    • Commercial general liability — Commercial general liability coverage forms — Supplementary payments
    • Commercial general liability — Commercial general liability coverage forms — Who is an insured
    • Commercial general liability — Commercial general liability coverage forms — Limits of liability
    • Commercial general liability — Commercial general liability coverage forms — Conditions
    • Commercial general liability — Commercial general liability coverage forms — Definitions
    • Commercial general liability — Commercial general liability coverage forms — Exclusions
    • Commercial general liability — Premises and operations
    • Commercial general liability — Products and completed operations
    • Commercial general liability — Insured contract
    • 7.3 Commercial property
    • Commercial property — Commercial property conditions form
    • Commercial property — Coverage forms
    • Commercial property — Coverage forms — Building and personal property
    • Commercial property — Coverage forms — Condominium association
    • Commercial property — Coverage forms — Condominium commercial unit-owners
    • Commercial property — Coverage forms — Builders risk
    • Commercial property — Coverage forms — Business income
    • Commercial property — Coverage forms — Extra expense
    • Commercial property — Coverage forms — Legal liability
    • Commercial property — Causes of loss forms
    • Commercial property — Causes of loss forms — Basic
    • Commercial property — Causes of loss forms — Broad
    • Commercial property — Causes of loss forms — Special
    • Commercial property — Selected endorsements
    • Commercial property — Selected endorsements — Ordinance or law (CP 04 05)
    • Commercial property — Selected endorsements — Spoilage (CP 04 40)
    • Commercial property — Selected endorsements — Peak season limit of insurance (CP 12 30)
    • Commercial property — Selected endorsements — Value reporting form (CP 13 10)
    • 7.4 Commercial crime
    • Commercial crime — General definitions
    • Commercial crime — General definitions — Burglary
    • Commercial crime — General definitions — Theft
    • Commercial crime — General definitions — Robbery
    • Commercial crime — Crime coverage forms
    • Commercial crime — Crime coverage forms — Commercial crime coverage forms (discovery/loss sustained)
    • Commercial crime — Crime coverage forms — Government crime coverage forms (discovery/loss sustained)
    • Commercial crime — Coverages
    • Commercial crime — Coverages — Employee theft
    • Commercial crime — Coverages — Forgery or alteration
    • Commercial crime — Coverages — Inside the premises — theft of money and securities
    • Commercial crime — Coverages — Inside the premises — robbery or safe burglary of other property
    • Commercial crime — Coverages — Outside premises
    • Commercial crime — Coverages — Computer fraud
    • Commercial crime — Coverages — Funds transfer fraud
    • Commercial crime — Coverages — Money orders and counterfeit money
    • Commercial crime — Other crime coverage
    • Commercial crime — Other crime coverage — Extortion — commercial entities
    • 7.5 Commercial inland marine
    • Commercial inland marine — Commercial inland marine conditions form
    • Commercial inland marine — Inland marine coverage forms
    • Commercial inland marine — Inland marine coverage forms — Accounts receivable
    • Commercial inland marine — Inland marine coverage forms — Bailee's customers
    • Commercial inland marine — Inland marine coverage forms — Commercial articles
    • Commercial inland marine — Inland marine coverage forms — Contractors equipment floater
    • Commercial inland marine — Inland marine coverage forms — Electronic data processing
    • Commercial inland marine — Inland marine coverage forms — Equipment dealers
    • Commercial inland marine — Inland marine coverage forms — Installation floater
    • Commercial inland marine — Inland marine coverage forms — Jewelers block
    • Commercial inland marine — Inland marine coverage forms — Signs
    • Commercial inland marine — Inland marine coverage forms — Valuable papers and records
    • Commercial inland marine — Transportation coverages
    • Commercial inland marine — Transportation coverages — Common carrier cargo liability
    • Commercial inland marine — Transportation coverages — Motor truck cargo forms
    • Commercial inland marine — Transportation coverages — Transit coverage forms
    • 7.6 Equipment breakdown
    • Equipment breakdown — Equipment breakdown protection coverage form (EB 00 20)
    • Equipment breakdown — Selected endorsement
    • Equipment breakdown — Selected endorsement — Actual cash value (EB 99 59)
    • 7.7 Farm coverage
    • Farm coverage — Farm property coverage forms
    • Farm coverage — Farm property coverage forms — Coverage A — Dwellings
    • Farm coverage — Farm property coverage forms — Coverage B — Other private structures
    • Farm coverage — Farm property coverage forms — Coverage C — Household personal property
    • Farm coverage — Farm property coverage forms — Coverage D — Loss of use
    • Farm coverage — Farm property coverage forms — Coverage E — Scheduled farm personal property
    • Farm coverage — Farm property coverage forms — Coverage F — Unscheduled farm personal property
    • Farm coverage — Farm property coverage forms — Coverage G — Other farm structures
    • Farm coverage — Farm liability coverage form
    • Farm coverage — Farm liability coverage form — Coverage H — Bodily injury and property damage liability
    • Farm coverage — Farm liability coverage form — Coverage I — Personal advertising injury liability
    • Farm coverage — Farm liability coverage form — Coverage J — Medical payments
    • Farm coverage — Mobile agricultural machinery and equipment coverage form
    • Farm coverage — Livestock coverage form
    • Farm coverage — Definitions
    • Farm coverage — Cause of loss (basic, broad and special)
    • Farm coverage — Conditions
    • Farm coverage — Exclusions
    • Farm coverage — Limits
    • Farm coverage — Additional coverages
  • Businessowners Policy (15%)
    • 8.1 Characteristics and purpose
    • 8.2 Businessowners Section I — Property
    • Businessowners Section I — Property — Coverage
    • Businessowners Section I — Property — Exclusions
    • Businessowners Section I — Property — Limits
    • Businessowners Section I — Property — Deductibles
    • Businessowners Section I — Property — Loss conditions
    • Businessowners Section I — Property — General conditions
    • Businessowners Section I — Property — Optional coverages
    • Businessowners Section I — Property — Definitions
    • 8.3 Businessowners Section II — Liability
    • Businessowners Section II — Liability — Coverages
    • Businessowners Section II — Liability — Exclusions
    • Businessowners Section II — Liability — Who is an insured
    • Businessowners Section II — Liability — Limits of insurance
    • Businessowners Section II — Liability — General conditions
    • Businessowners Section II — Liability — Definitions
    • 8.4 Businessowners Section III — Common Policy
    • Businessowners Section III — Common Policy — Conditions
    • 8.5 Selected endorsements
    • Selected endorsements — Protective safeguards (BP 04 30)
    • Selected endorsements — Utility services — direct damage (BP 04 56)
    • Selected endorsements — Utility services — time element (BP 04 57)
Examination sources