Georgia insurance adjuster license
Georgia licenses independent adjusters under a single 'Adjuster' license (property and casualty), plus separate Workers' Compensation Adjuster, Crop Hail Adjuster and Public Adjuster licenses. Salaried staff (company) adjusters are not individually licensed and are exempt from the exam; instead, insurers must register them through an annual staff adjuster filing with OCI.
How to get licensed in Georgia, step by step
- Choose the license you need. Georgia issues Adjuster, Workers' Compensation Adjuster, Crop Hail Adjuster. Most new independent adjusters start with the Adjuster license.
- Complete prelicensing education. Georgia requires 20 hours of approved prelicensing education before the exam.
- Pass the state exam (12-GA-24). It is given by Pearson VUE: 105 questions in 120 minutes, passing score 70%, fee $67. Some applicants can skip it (see exemptions below). Practice first with our Georgia Adjuster practice test.
- Submit fingerprints for the criminal background check if your application type requires them (see fees below).
- Apply for the license with the Georgia Office of Commissioner of Insurance and Safety Fire (OCI) and pay the $100 license fee.
- Keep it active. Complete 24 hours of continuing education, including 3 hours of ethics, every 2 years and renew on time (license term: 2 years).
Georgia adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Adjuster | Property and Casualty | Required The CPCU designation or a PhD in insurance waives both prelicensing and the exam; a bachelor's degree in insurance waives prelicensing only. Applicants previously licensed for the same lines in another state (currently licensed, or applying within 90 days of cancellation) need no prelicensing or exam (Rule 120-2-3-.09). The UCC designation was dropped from the exemption list in the July 2025 rule amendments. | 20 hours required |
| Workers' Compensation Adjuster | Workers' compensation | Not required There is no exam. The applicant must hold the CWCP (Certified Workers' Compensation Professional) designation; the Pearson VUE handbook also lists CPCU or UCC. | Not required |
| Crop Hail Adjuster | Crop hail | Not required No state exam. The applicant must complete an approved proficiency testing program (a CAPP card); CPCU or UCC holders are exempt from that. | Not required |
The Georgia adjuster exam
| Vendor | Pearson VUE |
|---|---|
| Exam | Georgia Adjuster (12-GA-24) |
| Questions | 105 |
| Time limit | 120 minutes |
| Passing score | 70% |
| Exam fee | $67 |
| Candidate handbook | Official handbook (PDF) |
License fees
- Resident license: $100
- Nonresident license: $100
Per the Pearson VUE Georgia handbook (rev. 09/2026), adjuster license fees are $100 plus a $20 processing fee, for both resident and nonresident licenses. NIPR transaction fees are extra for nonresidents. Resident applications are filed through Sircon (Georgia Producer Portal), not NIPR. New applicants pay for electronic fingerprinting themselves; the fee amount was not verified.
License term: 2 years. Renewal and fees are due on the last day of the licensee's birth month; a late renewal is allowed within 15 days (Rule 120-2-3-.16). Nonresident licenses also renew every 2 years.
Continuing education
Georgia adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years (biennial license period). Nonresidents who meet their home state requirement are generally exempt.
Licensees continuously licensed for 20 or more years need 20 hours (3 ethics). Holders of certain designations (CPCU, AAI, CIC, etc.) need 12 hours. Adjusters holding the UCC designation are exempt from adjuster CE. Workers' comp adjusters may instead take 20 hours through State Workers' Compensation Board providers, and WC-only licensees have no ethics requirement. Nonresidents who meet CE in their resident or Designated Home State are deemed compliant. Holders of a Georgia DHS (designated home state) adjuster license are listed as CE-exempt. Up to 50% of the biennial requirement may be carried over.
Nonresident adjusters, reciprocity and DHS
Nonresidents apply through NIPR or Sircon. No Georgia exam is required, but the license holds only lines held on the home-state license (Property & Casualty, WC, Crop/Hail, Public Adjuster). NIPR accepts an Adjuster Designated Home State (ADHS) on nonresident applications. New nonresident applicants must submit a notarized Citizenship Affidavit (GID-276-EN).
Designated home state license: Yes. The Pearson VUE handbook lists 'Non-resident Adjuster DHS GA', plus DHS versions of the Public Adjuster, Workers' Compensation Adjuster and Crop Hail Adjuster licenses, applied for through Sircon only. The Adjuster DHS GA license requires the prelicensing course (at least 20 hours per major line under the July 2025 rule; the Pearson VUE handbook still says 16) and the 12-GA-24 exam; WC DHS requires the CWCP designation. The handbook lists DHS GA adjuster licenses as exempt from Georgia CE.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
After a GEMA-declared disaster, insurers electronically file a list of their unlicensed salaried staff adjusters and out-of-state licensees, and OCI issues Disaster Re-entry Permits valid for up to 60 days. For a non-GEMA disaster, nonresident adjusters licensed in another state may work up to 60 days after notifying OCI before they enter; longer stays require a license (Rule 120-2-3-.25(5)).
Public adjusters in Georgia
Yes, a separate Public Adjuster license. It requires the prelicensing course (at least 20 hours per major line under the July 2025 rule; the Pearson VUE handbook still says 16) (with the same exemptions), the Pearson VUE Public Adjuster exam (12-GA-20, 2 hours, $67, 100 scored questions) and a $5,000 bond (Rule 120-2-3-.18). The license fee is $100 plus $20 processing, and the 24-hour CE requirement applies.
Insurance adjuster salary in Georgia
| Claims adjusters, examiners and investigators | Georgia | United States |
|---|---|---|
| Mean annual wage | $75,700 | $80,470 |
| Median annual wage | $73,320 | $78,000 |
| 10th to 90th percentile | $51,000 to $103,080 | $48,850 to $117,040 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Georgia?
Georgia licenses independent adjusters under a single 'Adjuster' license (property and casualty), plus separate Workers' Compensation Adjuster, Crop Hail Adjuster and Public Adjuster licenses. Salaried staff (company) adjusters are not individually licensed and are exempt from the exam; instead, insurers must register them through an annual staff adjuster filing with OCI.
How much does an adjuster license cost in Georgia?
In Georgia, the exam fee is $67, the resident license fee is $100. Add the cost of the required prelicensing course. Fees change, so confirm current amounts with the Georgia Office of Commissioner of Insurance and Safety Fire (OCI).
Can a nonresident get an adjuster license in Georgia?
Nonresidents apply through NIPR or Sircon. No Georgia exam is required, but the license holds only lines held on the home-state license (Property & Casualty, WC, Crop/Hail, Public Adjuster). NIPR accepts an Adjuster Designated Home State (ADHS) on nonresident applications. New nonresident applicants must submit a notarized Citizenship Affidavit (GID-276-EN).
How many continuing education hours do Georgia adjusters need?
24 hours, including 3 hours of ethics, every 2 years (biennial license period). Licensees continuously licensed for 20 or more years need 20 hours (3 ethics). Holders of certain designations (CPCU, AAI, CIC, etc.) need 12 hours. Adjusters holding the UCC designation are exempt from adjuster CE. Workers' comp adjusters may instead take 20 hours through State Workers' Compensation Board providers, and WC-only licensees have no ethics requirement. Nonresidents who meet CE in their resident or Designated Home State are deemed compliant. Holders of a Georgia DHS (designated home state) adjuster license are listed as CE-exempt. Up to 50% of the biennial requirement may be carried over.
How much do insurance adjusters make in Georgia?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Georgia earned a mean of $75,700 a year in May 2025, with a median of $73,320. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Georgia resources
Regulator: Georgia Office of Commissioner of Insurance and Safety Fire (OCI)
Sources
- rules.sos.ga.gov/gac/120-2-3-.25
- rules.sos.ga.gov/gac/120-2-3-.08
- rules.sos.ga.gov/gac/120-2-3-.09
- rules.sos.ga.gov/gac/120-2-3-.15
- rules.sos.ga.gov/gac/120-2-3-.16
- rules.sos.ga.gov/gac/120-2-3-.18
- rules.sos.ga.gov/gac/120-2-3-.24
- rules.sos.ga.gov/gac/120-2-3-.26
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121100.pdf
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121102.pdf
- pearsonvue.com/us/en/ga/insurance.html
- nipr.com/licensing-center/state-requirements/georgia-non-resident-adjuster-licensing-indiv
- rules.sos.ga.gov/gac/120-2-3-.16
Adjuster license requirements in other states
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