Utah insurance adjuster license
Utah requires a license for independent adjusters (who represent insurers) and public adjusters (who represent insureds). Regular salaried insurer employees (staff/company adjusters) are exempt, and the Department says it does not license staff adjusters (Utah Code 31A-26-201).
Some details on this page could not be confirmed on the regulator's own website. Check with the Utah Insurance Department, Producer Licensing before you apply, and tell us if anything has changed.
How to get licensed in Utah, step by step
- Confirm the license type. Utah issues the Independent Adjuster license (Classifications: property and casualty (including surety), accident and health, crop, workers' compensation (Utah Code 31A-26-204)).
- Pass the state exam (17-11). It is given by Prometric: 150 questions in 150 minutes, fee $32. Some applicants can skip it (see exemptions below). Practice first with our Utah 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 Utah Insurance Department, Producer Licensing 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, renewing on the last day of the licensee's birth month).
Utah adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Independent Adjuster | Classifications: property and casualty (including surety), accident and health, crop, workers' compensation (Utah Code 31A-26-204) | Required No exam if a licensee relocating to Utah applies within 90 days of cancelling their former resident-state license (NIPR / Utah Insurance Department transfer rules). | Not required |
The Utah adjuster exam
| Vendor | Prometric |
|---|---|
| Exam | Utah Adjuster's Property and Casualty Exam (17-11) |
| Questions | 150 |
| Time limit | 150 minutes |
| Exam fee | $32 |
| Candidate handbook | Official handbook (PDF) |
License fees
- Resident license: $75
- Nonresident license: $75
Prometric Licensing Information Bulletin (effective September 25, 2025) and NIPR: individual adjuster license $75, resident or nonresident; adding a line of authority $25; organization (agency) license $85. Fingerprinting at a Prometric test center is required for resident applicants; sources conflict on the FBI/BCI fee: $32 ($12 FBI + $20 BCI) on the Department exam page and NIPR, $27 in the LIB fee list, and $15 BCI + $13.25 FBI in the FY2027 fee schedule, plus a $6 Prometric processing fee. Other Prometric adjuster exams: 17-12 Accident and Health, 17-26 Crop, 17-27 Workers' Compensation ($32 each per the LIB registration form).
License term: 2 years, renewing on the last day of the licensee's birth month. The first term may run 24 to 35 months.
Continuing education
Utah adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years. Nonresidents who meet their home state requirement are generally exempt.
At least half of the 24 hours must be classroom or classroom-equivalent, no more than 12 hours may come from insurer-provided courses, and all hours must be Department-approved (Utah Code 31A-26-206; Utah Insurance Department CE page). Nonresidents who meet their home state's CE need no Utah CE.
Nonresident adjusters, reciprocity and DHS
Utah generally reciprocates with states that license adjusters, issuing a nonresident license based on a home-state license in good standing (Utah Code 31A-26-208, which also recognizes a 'designated home state'). If the applicant's resident state does not license adjusters, Utah issues a license if the applicant passes the Utah exam or already holds a nonresident adjuster license in another state, using the NAIC Uniform Application by email or fax instead of NIPR/Sircon.
Designated home state license: Utah licenses residents of non-licensing states who pass the Utah adjuster exam, and NIPR allows applicants to select Utah as their Adjuster Designated Home State when amending their nonresident Utah license. Wyoming lists Utah among the DHS states it will accept. There is no separately named 'DHS' license type; it is a nonresident Utah adjuster license designated as home state.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
Utah Code 31A-26-212: after a catastrophe or emergency (disaster, act of God, riot, civil commotion, conflagration or similar), the commissioner issues emergency licenses to unlicensed persons on application filed within a week of starting claims work. The license lasts up to 90 days and may be extended once for up to 90 more. The contracting insurer is responsible for the adjuster's claim practices, and the fee equals the regular adjuster fee unless waived.
Public adjusters in Utah
Separate Public Adjuster license (classifications: accident and health, property and casualty, workers' compensation); exam required, $75 fee, resident fingerprints. A public adjuster contract may be rescinded within 10 days (31A-26-311), and dual independent/public licensees may not represent both sides of one transaction (31A-26-304). Bond requirement not verified.
Insurance adjuster salary in Utah
| Claims adjusters, examiners and investigators | Utah | United States |
|---|---|---|
| Mean annual wage | $72,710 | $80,470 |
| Median annual wage | $69,000 | $78,000 |
| 10th to 90th percentile | $46,120 to $100,970 | $48,850 to $117,040 |
| Employment | 2,440 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Utah?
Utah requires a license for independent adjusters (who represent insurers) and public adjusters (who represent insureds). Regular salaried insurer employees (staff/company adjusters) are exempt, and the Department says it does not license staff adjusters (Utah Code 31A-26-201).
How much does an adjuster license cost in Utah?
In Utah, the exam fee is $32, the resident license fee is $75. Fees change, so confirm current amounts with the Utah Insurance Department, Producer Licensing.
Can a nonresident get an adjuster license in Utah?
Utah generally reciprocates with states that license adjusters, issuing a nonresident license based on a home-state license in good standing (Utah Code 31A-26-208, which also recognizes a 'designated home state'). If the applicant's resident state does not license adjusters, Utah issues a license if the applicant passes the Utah exam or already holds a nonresident adjuster license in another state, using the NAIC Uniform Application by email or fax instead of NIPR/Sircon.
How many continuing education hours do Utah adjusters need?
24 hours, including 3 hours of ethics, every 2 years. At least half of the 24 hours must be classroom or classroom-equivalent, no more than 12 hours may come from insurer-provided courses, and all hours must be Department-approved (Utah Code 31A-26-206; Utah Insurance Department CE page). Nonresidents who meet their home state's CE need no Utah CE.
How much do insurance adjusters make in Utah?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Utah earned a mean of $72,710 a year in May 2025, with a median of $69,000. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Utah resources
Sources
- insurance.utah.gov/licensees/producers/special-requirements/
- insurance.utah.gov/licensees/producers/exam/
- insurance.utah.gov/licensees/producers/ce/
- insurance.utah.gov/wp-content/uploads/UIDFeeSchedule.pdf
- prometric.com/files/ut-insurance/Utah-LIB.pdf
- nipr.com/licensing-center/state-requirements/utah-resident-licensing-individual
- nipr.com/licensing-center/state-requirements/utah-non-resident-adjuster-licensing-individu
- nipr.com/licensing-center/state-information/utah
- codes.findlaw.com/ut/title-31a-insurance-code/ut-code-sect-31a-26-201/
- codes.findlaw.com/ut/title-31a-insurance-code/ut-code-sect-31a-26-203/
- codes.findlaw.com/ut/title-31a-insurance-code/ut-code-sect-31a-26-204/
- codes.findlaw.com/ut/title-31a-insurance-code/ut-code-sect-31a-26-206/
- codes.findlaw.com/ut/title-31a-insurance-code/ut-code-sect-31a-26-208/
- codes.findlaw.com/ut/title-31a-insurance-code/ut-code-sect-31a-26-212/
Adjuster license requirements in other states
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