Does Missouri require an adjuster license?
Missouri does not license company (staff) or independent adjusters. DCI licenses only public adjusters and public adjuster solicitors (Chapter 325 RSMo) who adjust fire and allied-lines claims for policyholders; insurer agents and employees are excluded from the definition.
Some details on this page could not be confirmed on the regulator's own website. Check with the Missouri Department of Commerce and Insurance (DCI) before you apply, and tell us if anything has changed.
What to do if you want to adjust claims from Missouri
Because Missouri 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: Missouri issues no company/independent adjuster license and no Designated Home State adjuster license. Missouri residents generally obtain a DHS license from a state that offers one; Minnesota lists MO among jurisdictions whose residents may designate a home state.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
Not applicable for company/independent adjusters (no license required). No emergency adjuster provision was found.
Public adjusters in Missouri
Separate Public Adjuster and Public Adjuster Solicitor licenses (Chapter 325 RSMo). Exam through Pearson VUE (exam 20 Public Adjuster or 21 Solicitor: $25, 1 hour). License term 1 year: $100 initial fee and $50 annual renewal. Bond required: the Pearson handbook lists '$10,000 or $1,000 bond' for public adjusters and a $1,000 bond for solicitors. Late renewal is not allowed (325.025.1 RSMo); an expired license requires retaking the exam.
Insurance adjuster salary in Missouri
| Claims adjusters, examiners and investigators | Missouri | United States |
|---|---|---|
| Mean annual wage | $77,490 | $80,470 |
| Median annual wage | $75,840 | $78,000 |
| 10th to 90th percentile | $48,900 to $111,070 | $48,850 to $117,040 |
| Employment | 6,200 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Missouri?
No license is required for company or independent adjusters in Missouri. Missouri does not license company (staff) or independent adjusters. DCI licenses only public adjusters and public adjuster solicitors (Chapter 325 RSMo) who adjust fire and allied-lines claims for policyholders; insurer agents and employees are excluded from the definition.
How much do insurance adjusters make in Missouri?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Missouri earned a mean of $77,490 a year in May 2025, with a median of $75,840. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Missouri resources
Regulator: Missouri Department of Commerce and Insurance (DCI)
Sources
Adjuster license requirements in other states
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