Minnesota insurance adjuster license
Independent adjusters and public adjusters must be licensed (Minn. Stat. ch. 72B); there is also a limited Crop Hail Adjuster license. Officers, directors, managers or employees of an authorized insurer (company/staff adjusters) are exempt under Minn. Stat. 72B.03.
How to get licensed in Minnesota, step by step
- Choose the license you need. Minnesota issues Independent Adjuster, Crop Hail Adjuster. Most new independent adjusters start with the Independent Adjuster license.
- Pass the state exam. It is given by PSI: 35 questions in 60 minutes, passing score 70%, fee $25. Some applicants can skip it (see exemptions below). Practice first with our Minnesota Property and Casualty 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 Minnesota Department of Commerce and pay the $50 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; individual licenses expire on the last day of the adjuster's birth month (first term 12 to 24 months)).
Minnesota adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Independent Adjuster | Lines of authority: Property and Casualty; Workers' Compensation; Crop | Required No exam for applicants licensed in another state for the same lines based on an adjuster exam (or within 90 days of that license expiring), or for new residents who apply within 90 days of moving. Crop line: exempt with NCIS Crop Adjuster Proficiency Program or FCIC loss-adjustment training/competency testing. | Not required |
| Crop Hail Adjuster | Limited license: crop damage by hail only (MPCI claims require the crop line, unless FCIC-trained) | Not required Statute exempts crop hail applicants from the exam requirement (72B.041 subd. 5(c)) | Not required |
The Minnesota adjuster exam
| Vendor | PSI |
|---|---|
| Exam | Property & Casualty Adjuster (also separate Workers Compensation Adjuster and Crop Adjuster exams) |
| Questions | 35 |
| Time limit | 60 minutes |
| Passing score | 70% |
| Exam fee | $25 |
| Candidate handbook | Official handbook (PDF) |
Take the free Minnesota Property and Casualty Adjuster practice test
License fees
- Resident license: $50
- Nonresident license: $50
- Fingerprinting: about $66.75
Statute (72B.041 subd. 9) sets $50 per initial license and $50 per renewal or amendment. NIPR also lists an additional $50 per line of authority and a $10 technology fee per application or renewal. Residents must be fingerprinted: $66.75 electronically at a PSI center, or $35 by mail with a manual card (plus the facility's charge). Each adjuster exam (P&C, WC, Crop) costs $25. Apply via Sircon or NIPR.
License term: 2 years; individual licenses expire on the last day of the adjuster's birth month (first term 12 to 24 months)
Continuing education
Minnesota adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years (reported with the biennial renewal). Nonresidents who meet their home state requirement are generally exempt.
Minn. Stat. 72B.045 applies to independent and public adjusters. Exempt: licensees not licensed for a full year before the end of the biennium, and nonresidents who met the CE requirements of their designated home state.
Nonresident adjusters, reciprocity and DHS
Nonresidents apply online (Sircon or NIPR) for P&C, WC and/or Crop lines without an exam if licensed for the same lines in another state on the basis of an adjuster exam. Residents of non-licensing jurisdictions (the DOC lists CO, DC, IA, IL, KS, MA, MD, MO, NE, ND, NJ, OH, PA, SD, TN, VA, WI) must pick a DHS: if they pick another state, Minnesota reciprocates.
Designated home state license: Residents of the non-licensing jurisdictions listed by the DOC may designate Minnesota as home state. They must qualify like a Minnesota resident: pass the PSI exam, submit fingerprints, and apply via Sircon. A Designated Home State Adjuster Agency license is also available.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
Minn. Stat. 72B.06: after a qualifying catastrophe (the insurer files a statement expecting 500 or more claims, or twice the normal monthly claims), unlicensed but otherwise qualified independent adjusters may work as emergency adjusters if the insurer or employer registers them with Commerce within 5 days of deployment. Registration lasts 180 days and can be extended 180 days. Statutory fee is $20; NIPR shows a 'Catastrophe Adjuster' registration at $30 for 6 months.
Public adjusters in Minnesota
Separate public adjuster license with the same lines of authority (P&C, WC, Crop). Residents must pass the exam and be fingerprinted. Every PA must file a $10,000 surety bond on the Commerce form; the license is suspended if the bond terminates. CE is 24 hours including 3 ethics, biennially.
Insurance adjuster salary in Minnesota
| Claims adjusters, examiners and investigators | Minnesota | United States |
|---|---|---|
| Mean annual wage | $81,340 | $80,470 |
| Median annual wage | $78,350 | $78,000 |
| 10th to 90th percentile | $58,110 to $106,270 | $48,850 to $117,040 |
| Employment | 5,530 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Minnesota?
Independent adjusters and public adjusters must be licensed (Minn. Stat. ch. 72B); there is also a limited Crop Hail Adjuster license. Officers, directors, managers or employees of an authorized insurer (company/staff adjusters) are exempt under Minn. Stat. 72B.03.
How much does an adjuster license cost in Minnesota?
In Minnesota, the exam fee is $25, the resident license fee is $50, fingerprinting costs about $66.75. Fees change, so confirm current amounts with the Minnesota Department of Commerce.
Can a nonresident get an adjuster license in Minnesota?
Nonresidents apply online (Sircon or NIPR) for P&C, WC and/or Crop lines without an exam if licensed for the same lines in another state on the basis of an adjuster exam. Residents of non-licensing jurisdictions (the DOC lists CO, DC, IA, IL, KS, MA, MD, MO, NE, ND, NJ, OH, PA, SD, TN, VA, WI) must pick a DHS: if they pick another state, Minnesota reciprocates.
How many continuing education hours do Minnesota adjusters need?
24 hours, including 3 hours of ethics, every 2 years (reported with the biennial renewal). Minn. Stat. 72B.045 applies to independent and public adjusters. Exempt: licensees not licensed for a full year before the end of the biennium, and nonresidents who met the CE requirements of their designated home state.
How much do insurance adjusters make in Minnesota?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Minnesota earned a mean of $81,340 a year in May 2025, with a median of $78,350. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Minnesota resources
Regulator: Minnesota Department of Commerce
Sources
- mn.gov/commerce/licensing/list/insurance/adjusters.jsp
- revisor.mn.gov/statutes/cite/72B.02
- revisor.mn.gov/statutes/cite/72B.03
- revisor.mn.gov/statutes/cite/72B.041
- revisor.mn.gov/statutes/cite/72B.045
- revisor.mn.gov/statutes/cite/72B.06
- test-takers.psiexams.com/mnins
- test-takers.psiexams.com/api/content/bulletin/10983
- proctor2.psionline.com/media/programs/MNINS/PCAdjuster.pdf
- nipr.com/licensing-center/state-requirements/minnesota-non-resident-adjuster-licensing-ind
Adjuster license requirements in other states
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