Connecticut insurance adjuster license
Anyone adjusting casualty claims for an insurance company or for a firm that adjusts casualty claims must hold a Connecticut Casualty Adjuster (P&C claims adjuster) license (CGS 38a-792). The requirement covers both staff and independent adjusters; only attorneys and certain portable-electronics claims staff are exempt. Auto physical damage appraisers need a Motor Vehicle Physical Damage (MVPD) Appraiser license, and public adjusters have their own license.
How to get licensed in Connecticut, step by step
- Choose the license you need. Connecticut issues Casualty Adjuster (Property & Casualty Claims Adjuster), Motor Vehicle Physical Damage (MVPD) Appraiser. Most new independent adjusters start with the Casualty Adjuster (Property & Casualty Claims Adjuster) license.
- Pass the state exam (12-CT-09). It is given by Pearson VUE: 100 questions in 120 minutes, passing score 70%, fee $70. Some applicants can skip it (see exemptions below). Practice first with our Connecticut All Lines Casualty Adjuster practice test.
- Apply for the license with the Connecticut Insurance Department (CID), Licensing Division and pay the $130 license fee.
Connecticut adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Casualty Adjuster (Property & Casualty Claims Adjuster) | Lines of authority: All Lines (including Workers' Compensation); All Lines except Workers' Compensation; Workers' Compensation only; Auto only | Required Commissioner may waive the exam for an applicant licensed under the same license type in Connecticut within the prior two years (CGS 38a-792(a)(2)) | Not required |
| Motor Vehicle Physical Damage (MVPD) Appraiser | Appraising auto physical damage | Required | Not required |
The Connecticut adjuster exam
| Vendor | Pearson VUE |
|---|---|
| Exam | All Lines Casualty Adjuster (12-CT-09) |
| Questions | 100 |
| Time limit | 120 minutes |
| Passing score | 70% |
| Exam fee | $70 |
| Candidate handbook | Official handbook (PDF) |
Take the free Connecticut All Lines Casualty Adjuster practice test
License fees
- Resident license: $130
- Nonresident license: $130
Application $130 and renewal $80 for both Casualty Adjuster and MVPD Appraiser, plus NIPR transaction fee; amending a license costs $130. Other Pearson VUE exams: 12-CT-10 All Lines except WC (100 questions, 2 hrs, $70); 12-CT-11 Workers' Comp only (50 questions, 1 hr, $70); 12-CT-12 Auto only (60 questions, 1 hr, $70); 12-CT-16 MVPD Appraiser (60 questions, 1 hr, $120).
License term: 2 years. Individual licenses renew in the birth month every other year; licenses issued on or after Oct 1, 2024 expire two years after the birthday preceding issue. Business entity licenses expire June 30 of odd years.
Continuing education
Connecticut has no continuing education requirement for adjusters.
Connecticut has no CE requirement for P&C claim adjusters, MVPD appraisers or public adjusters.
Nonresident adjusters, reciprocity and DHS
The Commissioner may waive the exam for nonresidents holding an equivalent license from another state (CGS 38a-792(a)(2)). DHS licenses are accepted when the applicant has an active nonresident adjuster license and no active resident adjuster license (NIPR).
Designated home state license: No new Connecticut DHS: applicants may not select Connecticut as their designated home state on a nonresident application unless Connecticut is already their DHS of record (NIPR), and CID's renewal FAQ says licensees cannot change their DHS to Connecticut.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
Catastrophe Licensing Program: once the Commissioner declares that a storm qualifies, an insurer's registered employee registers catastrophe (CAT) adjusters, separately for each storm. Adjusters need an active adjuster license in another state or two years of adjusting experience. Registration lasts 120 days, carries no fee, and adjusters must wear an insurer-issued photo ID; adjusters already licensed in Connecticut need no registration.
Public adjusters in Connecticut
Separate Public Adjuster license, which cannot be held by a contractor. Requirements are 40 hours of prelicensing and the Pearson VUE exam 12-CT-08 (100 questions, 2 hours, $65). Fees are $300 application and $250 renewal, with renewal April 30 of even years; there is no CE. Contracts must include a 4-day cancellation right (CGS 38a-724). Bond amount not verified.
Insurance adjuster salary in Connecticut
| Claims adjusters, examiners and investigators | Connecticut | United States |
|---|---|---|
| Mean annual wage | $94,410 | $80,470 |
| Median annual wage | $88,330 | $78,000 |
| 10th to 90th percentile | $63,090 to $129,740 | $48,850 to $117,040 |
| Employment | 3,190 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Connecticut?
Anyone adjusting casualty claims for an insurance company or for a firm that adjusts casualty claims must hold a Connecticut Casualty Adjuster (P&C claims adjuster) license (CGS 38a-792). The requirement covers both staff and independent adjusters; only attorneys and certain portable-electronics claims staff are exempt. Auto physical damage appraisers need a Motor Vehicle Physical Damage (MVPD) Appraiser license, and public adjusters have their own license.
How much does an adjuster license cost in Connecticut?
In Connecticut, the exam fee is $70, the resident license fee is $130. Fees change, so confirm current amounts with the Connecticut Insurance Department (CID), Licensing Division.
Can a nonresident get an adjuster license in Connecticut?
The Commissioner may waive the exam for nonresidents holding an equivalent license from another state (CGS 38a-792(a)(2)). DHS licenses are accepted when the applicant has an active nonresident adjuster license and no active resident adjuster license (NIPR).
How much do insurance adjusters make in Connecticut?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Connecticut earned a mean of $94,410 a year in May 2025, with a median of $88,330. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Connecticut resources
Regulator: Connecticut Insurance Department (CID), Licensing Division
Sources
- web.archive.org/web/20260429035235/https://portal.ct.gov/cid/knowledge-base/articles/casua
- web.archive.org/web/20260417100336/https://portal.ct.gov/cid/knowledge-base/articles/catas
- web.archive.org/web/20260429035405/https://portal.ct.gov/cid/knowledge-base/articles/publi
- web.archive.org/web/20260429035227/https://portal.ct.gov/cid/knowledge-base/articles/exam-
- web.archive.org/web/20260331225135/https://portal.ct.gov/cid/-/media/cid/1_licensing/adjus
- web.archive.org/web/20260412000016/https://www.cga.ct.gov/Current/pub/chap_702.htm
- web.archive.org/web/20260618145411/https://cga.ct.gov/current/PUB/chap_701b.htm
- pearsonvue.com/us/en/ct/insurance.html
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120700.pdf
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120701.pdf
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120705.pdf
- nipr.com/licensing-center/state-requirements/connecticut-non-resident-adjuster-licensing-i
Adjuster license requirements in other states
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