Mississippi insurance adjuster license
Independent adjusters must hold a Mississippi Independent Adjuster license (Property & Casualty including Workers' Compensation, or Workers' Compensation only), and public adjusters need a separate Public Adjuster license. MID also offers emergency and trainee adjuster licenses. Multi-peril crop adjusters do not need a license (HB 553, 2011). Salaried insurer (staff) adjusters are excluded by Miss. Code 83-17-401(a)(ii).
Some details on this page could not be confirmed on the regulator's own website. Check with the Mississippi Insurance Department (MID) before you apply, and tell us if anything has changed.
How to get licensed in Mississippi, step by step
- Choose the license you need. Mississippi issues Independent Adjuster - Property & Casualty including Workers' Compensation, Independent Adjuster - Workers' Compensation Only. Most new independent adjusters start with the Independent Adjuster - Property & Casualty including Workers' Compensation license.
- Complete prelicensing education. Mississippi requires 20 hours of approved prelicensing education before the exam.
- Pass the state exam (InsMS-PCWC26). It is given by Pearson VUE: 60 questions in 120 minutes, passing score 70%, fee $50. Some applicants can skip it (see exemptions below). Practice first with our Mississippi Independent 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 Mississippi Insurance Department (MID) 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; expires the last day of the birth month (first term 13 to 24 months)).
Mississippi adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Independent Adjuster - Property & Casualty including Workers' Compensation | Property, casualty and workers' compensation claims | Required Statutory exemptions (83-17-417(1)): renewals, adjusters licensed in a reciprocal state, holders of a commissioner-approved certification that required an equivalent exam, and completion of a commissioner-approved course plus its exam. In practice MID requires residents to pass the Pearson VUE exam. | 20 hours required |
| Independent Adjuster - Workers' Compensation Only | Workers' compensation claims only | Required Statutory exemptions (83-17-417(1)): renewals, adjusters licensed in a reciprocal state, holders of a commissioner-approved certification that required an equivalent exam, and completion of a commissioner-approved course plus its exam. In practice MID requires residents to pass the Pearson VUE exam. | 20 hours required |
The Mississippi adjuster exam
| Vendor | Pearson VUE |
|---|---|
| Exam | P&C Adjuster with Workers Compensation (InsMS-PCWC26) |
| Questions | 60 |
| Time limit | 120 minutes |
| Passing score | 70% |
| Exam fee | $50 |
| Candidate handbook | Official handbook (PDF) |
Take the free Mississippi Independent Adjuster practice test
License fees
- Resident license: $100
- Nonresident license: $100
License fees (privilege tax) are $100 for residents and nonresidents, and $100 biennial renewal. Electronic filing (Sircon/NIPR) may add transaction fees. A license can be reinstated within 12 months with a 50% late fee. Adding or removing a line of authority costs $25. The P&C with WC exam (InsMS-PCWC26) has 60 scored plus 5 unscored questions. A separate Workers Compensation Adjuster exam (InsMS-WC25: 120 minutes, $50) exists. No fingerprint requirement for adjusters appears in MID or Pearson materials.
License term: 2 years; expires the last day of the birth month (first term 13 to 24 months)
Continuing education
Mississippi adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years (license periods of 19-24 months; 12 hours if the license period is 18 months or less).
24 total hours including 3 ethics regardless of how many adjuster licenses or lines are held. Nonresidents who designated Mississippi as home state must complete Mississippi CE.
Nonresident adjusters, reciprocity and DHS
Nonresidents should hold an independent adjuster license in their resident state and have passed an all-lines (P&C + WC) adjuster exam, or a WC exam for the WC-only line. If their state has no comparable licensed exam, they may pass the Mississippi exam, show a nonresident license from a reciprocal state that required an exam, or file a notarized affidavit limiting them to P&C claims. Holders of a DHS license with the same or similar authority are licensed reciprocally without the MS exam.
Designated home state license: Applicants with no active resident adjuster license anywhere may select Mississippi as their Adjuster Designated Home State when applying for the nonresident Mississippi license. MS ADHS licensees must meet resident requirements (20-hour prelicensing course or proof of experience, plus the state exam) and complete Mississippi CE to renew.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
After a catastrophe or emergency (disaster, act of God, riot, etc.) the Commissioner may accept applications for an Emergency Independent Adjuster license. The fee is $50, the license is not renewable, it expires within 180 days, and the applicant must be certified by a Mississippi-licensed independent adjuster. Existing MS independent adjusters do not need it. MID also issues a non-renewable Independent Adjuster Trainee registration ($50, up to 12 months) under a supervising licensed adjuster.
Public adjusters in Mississippi
Separate Public Adjuster license: minimum age 21 (83-17-511), 20-hour prelicensing course (or proof of experience), Pearson VUE Public Adjuster exam (InsMS-PubAdJ15, 120 minutes, $50; the IA exam does not substitute), $100 fee and $100 biennial renewal. The applicant must keep a $50,000 surety bond (in favor of the State) or $50,000 irrevocable letter of credit in force (83-17-511(1)(i), effective July 1, 2025); MID's 2007 regulation and NIPR still mention an E&O policy, but the statute no longer lists E&O. Fees are capped at 10%, the insured may cancel in writing within five business days, and claim funds go into a fiduciary trust account. CE is 24 hours including 3 ethics. Emergency public adjuster licenses also exist.
Insurance adjuster salary in Mississippi
| Claims adjusters, examiners and investigators | Mississippi | United States |
|---|---|---|
| Mean annual wage | $76,190 | $80,470 |
| Median annual wage | $77,100 | $78,000 |
| 10th to 90th percentile | $48,680 to $100,850 | $48,850 to $117,040 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Mississippi?
Independent adjusters must hold a Mississippi Independent Adjuster license (Property & Casualty including Workers' Compensation, or Workers' Compensation only), and public adjusters need a separate Public Adjuster license. MID also offers emergency and trainee adjuster licenses. Multi-peril crop adjusters do not need a license (HB 553, 2011). Salaried insurer (staff) adjusters are excluded by Miss. Code 83-17-401(a)(ii).
How much does an adjuster license cost in Mississippi?
In Mississippi, the exam fee is $50, the resident license fee is $100. Add the cost of the required prelicensing course. Fees change, so confirm current amounts with the Mississippi Insurance Department (MID).
Can a nonresident get an adjuster license in Mississippi?
Nonresidents should hold an independent adjuster license in their resident state and have passed an all-lines (P&C + WC) adjuster exam, or a WC exam for the WC-only line. If their state has no comparable licensed exam, they may pass the Mississippi exam, show a nonresident license from a reciprocal state that required an exam, or file a notarized affidavit limiting them to P&C claims. Holders of a DHS license with the same or similar authority are licensed reciprocally without the MS exam.
How many continuing education hours do Mississippi adjusters need?
24 hours, including 3 hours of ethics, every 2 years (license periods of 19-24 months; 12 hours if the license period is 18 months or less). 24 total hours including 3 ethics regardless of how many adjuster licenses or lines are held. Nonresidents who designated Mississippi as home state must complete Mississippi CE.
How much do insurance adjusters make in Mississippi?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Mississippi earned a mean of $76,190 a year in May 2025, with a median of $77,100. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Mississippi resources
Regulator: Mississippi Insurance Department (MID)
Sources
- mid.ms.gov/mississippi-insurance-department/licensing/adjuster-licensing/
- mid.ms.gov/wp-content/uploads/2023/04/IndependentAdjusterInstructions0718.pdf
- mid.ms.gov/wp-content/uploads/2025/06/adjusterInstructions62025.pdf
- mid.ms.gov/wp-content/uploads/2023/04/emeindadjinstructions.pdf
- mid.ms.gov/wp-content/uploads/2023/04/indadjtraininstructions.pdf
- home.pearsonvue.com/ms/insurance
- home.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122500.pdf
- home.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122501.pdf
- nipr.com/licensing-center/state-requirements/mississippi-non-resident-adjuster-licensing-i
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