New Hampshire insurance adjuster license
Anyone who investigates, negotiates or settles property, casualty or workers' comp claims, whether employed by or contracted with an insurer, adjusting company or TPA, must hold a New Hampshire insurance claims adjuster license (RSA 402-B). Both staff and independent adjusters are covered. Public adjusters need a separate license under RSA 402-D.
How to get licensed in New Hampshire, step by step
- Confirm the license type. New Hampshire issues the Adjuster (Insurance Claims Adjuster) license (Lines of authority: Property & Casualty (including Workers' Compensation); Property & Casualty (excluding Workers' Compensation); Workers' Compensation).
- Pass the state exam (12-75). It is given by PSI: 150 questions in 150 minutes, fee $72. Some applicants can skip it (see exemptions below). Practice first with our claims adjuster practice test.
- Apply for the license with the New Hampshire Insurance Department and pay the $75 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; adjuster licenses expire on the second October 1 after issuance and every two years thereafter).
New Hampshire adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Adjuster (Insurance Claims Adjuster) | Lines of authority: Property & Casualty (including Workers' Compensation); Property & Casualty (excluding Workers' Compensation); Workers' Compensation | Required Attorneys-at-law are exempt from the exam (RSA 402-B:5). CPCU holders need only the NH Adjuster P&C Laws & Regulations exam (12-83). New residents licensed in another state within 90 days take only the 12-83 laws exam for P&C. | Not required |
The New Hampshire adjuster exam
| Vendor | PSI |
|---|---|
| Exam | New Hampshire Adjuster's Property & Casualty Insurance (Workers' Compensation is a separate exam: series 12-76, 50 items, 1 hour, $59) (12-75) |
| Questions | 150 |
| Time limit | 150 minutes |
| Exam fee | $72 |
| Candidate handbook | Official handbook (PDF) |
License fees
- Resident license: $75
- Nonresident license: $75
Adjuster initial license $75 and biennial renewal $75 (RSA 400-A:29, effective Jan 1, 2022). Adding a line costs $50 (exam required for residents). Reinstatement within 2 years costs twice the renewal fee (NIPR lists $150); after 2 years, apply as new. Late completion of CE costs $25. Late renewals are not accepted. All applications go through NIPR.
License term: 2 years; adjuster licenses expire on the second October 1 after issuance and every two years thereafter
Continuing education
New Hampshire adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years (complete at least 60 days before renewal). Nonresidents who meet their home state requirement are generally exempt.
Ethics must be 3 to 10 hours. Licensees with workers' comp authority need 10 hours of workers' comp credits and 10 multi-line credits. Nonresidents are exempt unless New Hampshire is their designated home state (RSA 402-B:5-a).
Nonresident adjusters, reciprocity and DHS
Nonresidents need no exam if licensed as adjusters in their resident or designated home state, or, where their state does not license adjusters, if they have 6 months of verifiable adjusting experience (RSA 402-B:5). Apply via NIPR; nonresidents may not have a New Hampshire residence address. A nonresident license stays in effect while the home-state license is in good standing and fees are paid.
Designated home state license: Effective May 5, 2015, a nonresident living in a state that does not license adjusters may designate New Hampshire as home state by passing the appropriate NH adjuster exam (PSI) and must then meet New Hampshire CE. NIPR notes that New Hampshire cannot be selected as DHS within a NIPR nonresident application; the DOI provides an Adjuster Designated Home State Change Request form.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
RSA 402-B:11 and DOI guidance: Temporary/Emergency/Catastrophe adjuster licenses are issued after a Governor's State of Emergency, or when the Commissioner finds an emergency or disaster requires them. Apply via NIPR; applicants must be licensed in another state or have 6 months of adjusting experience. The fee is the same as a regular license, and licenses are processed immediately upon receipt.
Public adjusters in New Hampshire
Separate Public Adjuster license (RSA 402-D; line: Fire & Homeowners). Requires the PSI exam 12-73 (100 items, 2 hours, $59), a $100 initial fee and $100 biennial renewal, and a surety bond or irrevocable letter of credit of at least $20,000 (RSA 402-D:11). CE: 15 hours per biennium including 3 hours of PA ethics; nonresidents are exempt if compliant with a substantially similar home-state requirement. Public adjusters cannot designate a home state.
Insurance adjuster salary in New Hampshire
| Claims adjusters, examiners and investigators | New Hampshire | United States |
|---|---|---|
| Mean annual wage | $87,810 | $80,470 |
| Median annual wage | $83,890 | $78,000 |
| 10th to 90th percentile | $59,580 to $120,430 | $48,850 to $117,040 |
| Employment | 880 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in New Hampshire?
Anyone who investigates, negotiates or settles property, casualty or workers' comp claims, whether employed by or contracted with an insurer, adjusting company or TPA, must hold a New Hampshire insurance claims adjuster license (RSA 402-B). Both staff and independent adjusters are covered. Public adjusters need a separate license under RSA 402-D.
How much does an adjuster license cost in New Hampshire?
In New Hampshire, the exam fee is $72, the resident license fee is $75. Fees change, so confirm current amounts with the New Hampshire Insurance Department.
Can a nonresident get an adjuster license in New Hampshire?
Nonresidents need no exam if licensed as adjusters in their resident or designated home state, or, where their state does not license adjusters, if they have 6 months of verifiable adjusting experience (RSA 402-B:5). Apply via NIPR; nonresidents may not have a New Hampshire residence address. A nonresident license stays in effect while the home-state license is in good standing and fees are paid.
How many continuing education hours do New Hampshire adjusters need?
24 hours, including 3 hours of ethics, every 2 years (complete at least 60 days before renewal). Ethics must be 3 to 10 hours. Licensees with workers' comp authority need 10 hours of workers' comp credits and 10 multi-line credits. Nonresidents are exempt unless New Hampshire is their designated home state (RSA 402-B:5-a).
How much do insurance adjusters make in New Hampshire?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in New Hampshire earned a mean of $87,810 a year in May 2025, with a median of $83,890. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official New Hampshire resources
Regulator: New Hampshire Insurance Department
Sources
- insurance.nh.gov/producersadjusters/adjusters-licenses
- insurance.nh.gov/producersadjusters/producer-licenses/licensing-fees
- insurance.nh.gov/producersadjusters/public-adjusters-license
- insurance.nh.gov/producersadjusters/continuing-education
- mm.nh.gov/files/uploads/nhid/documents/adj-dhs-exam.pdf
- gencourt.state.nh.us/rsa/html/XXXVII/402-B/402-B-mrg.htm
- gencourt.state.nh.us/rsa/html/XXXVII/402-D/402-D-mrg.htm
- test-takers.psiexams.com/nhins
- test-takers.psiexams.com/api/content/bulletin/12119
- proctor2.psionline.com/programs/nhins/propcasa.pdf
- proctor2.psionline.com/programs/nhins/work.pdf
- proctor2.psionline.com/programs/nhins/public.pdf
- nipr.com/licensing-center/state-requirements/new-hampshire-non-resident-adjuster-licensing
Adjuster license requirements in other states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming