Does Kansas require an adjuster license?
Kansas does not license independent or staff (company) adjusters; no adjuster license appears among Kansas license types and Chapter 40 has no adjuster-licensing article. Only public adjusters are licensed, under the Public Adjusters Licensing Act (K.S.A. 40-5501 to 40-5519), and that license is limited to first-party claims on commercial lines policies.
What to do if you want to adjust claims from Kansas
Because Kansas does not issue its own adjuster license, residents who want to work as independent or catastrophe adjusters in other states usually earn a designated home state (DHS) license from a state such as Texas or Florida. Many licensing states then issue nonresident licenses based on that DHS license.
Nonresident adjusters, reciprocity and DHS
Designated home state license: Not applicable. Kansas issues no independent adjuster license. Under K.S.A. 40-5502(g), a public adjuster whose residence and business states lack a substantially similar PA law may declare another licensing state as home state.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
No emergency or temporary license is needed for insurer-side adjusters, because Kansas does not license independent or staff adjusters.
Public adjusters in Kansas
Yes, licensed under the Public Adjusters Licensing Act (K.S.A. 40-5501 et seq.). Kansas PA licensure covers only first-party property claims under commercial lines policies (K.S.A. 40-5502(l)). It requires the public adjuster exam (K.S.A. 40-5506), fingerprints and a criminal history check, and a Kansas tax clearance certificate. The application fee is up to $100 (NIPR: $100), and renewal is up to $100. Financial responsibility is a surety bond or letter of credit in an amount the commissioner may require (K.S.A. 40-5511). CE is 18 hours including 3 ethics, biennially by birth month (K.S.A. 40-5512). Nonresident reciprocity requires a resident PA license in the home state (K.S.A. 40-5508).
Insurance adjuster salary in Kansas
| Claims adjusters, examiners and investigators | Kansas | United States |
|---|---|---|
| Mean annual wage | $79,750 | $80,470 |
| Median annual wage | $77,290 | $78,000 |
| 10th to 90th percentile | $48,980 to $112,710 | $48,850 to $117,040 |
| Employment | 4,570 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Kansas?
No license is required for company or independent adjusters in Kansas. Kansas does not license independent or staff (company) adjusters; no adjuster license appears among Kansas license types and Chapter 40 has no adjuster-licensing article. Only public adjusters are licensed, under the Public Adjusters Licensing Act (K.S.A. 40-5501 to 40-5519), and that license is limited to first-party claims on commercial lines policies.
How much do insurance adjusters make in Kansas?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Kansas earned a mean of $79,750 a year in May 2025, with a median of $77,290. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Kansas resources
Regulator: Kansas Insurance Department
Sources
- nipr.com/licensing-center/state-requirements/kansas-resident-licensing-individual
- nipr.com/licensing-center/state-requirements/kansas-non-resident-licensing-individual
- ksrevisor.gov/statutes/ksa_ch40.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0001.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0002.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0003.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0005.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0006.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0008.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0009.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0011.html
- ksrevisor.gov/statutes/chapters/ch40/040_055_0012.html
Adjuster license requirements in other states
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