Vermont insurance adjuster license
Vermont requires a license for anyone who investigates or negotiates settlement of claims for insurers, or solicits business from insurers as an adjuster (8 V.S.A. 4791). Officials and employees of domestic fire or casualty insurers are exempt, so staff adjusters of out-of-state insurers are not. License types are Adjuster-Property and Casualty, Workers' Compensation Adjuster and Crop Adjuster, plus a separate Public Adjuster license.
Some details on this page could not be confirmed on the regulator's own website. Check with the Vermont Department of Financial Regulation (DFR), Insurance Division - Producer Licensing before you apply, and tell us if anything has changed.
How to get licensed in Vermont, step by step
- Choose the license you need. Vermont issues Adjuster - Property and Casualty, Workers' Compensation Adjuster, Crop Adjuster. Most new independent adjusters start with the Adjuster - Property and Casualty license.
- Pass the state exam (14-33). It is given by Prometric. Practice first with our claims 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 Vermont Department of Financial Regulation (DFR), Insurance Division - Producer Licensing and pay the $150 license fee.
Vermont adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Adjuster - Property and Casualty | Property and casualty (both lines must be held together) | Required | Not required |
| Workers' Compensation Adjuster | Workers' compensation | Required | Not required |
| Crop Adjuster | Crop | Not required No state exam (NIPR). The Commissioner may require multi-peril crop adjusters to be certified through a USDA Risk Management Agency-approved proficiency exam (8 V.S.A. 4803(f)). | Not required |
The Vermont adjuster exam
| Vendor | Prometric |
|---|---|
| Exam | Adjuster's Property and Casualty (14-33) |
| Candidate handbook | Official handbook (PDF) |
License fees
- Resident license: $150
NIPR resident fees: Adjuster-Property and Casualty, Workers' Compensation Adjuster and Crop Adjuster are each $150 initial and $120 renewal; Public Adjuster is $230 initial and $200 renewal. Nonresident fees are retaliatory (the Vermont fee or the home-state fee, whichever is higher) per Vermont's retaliatory fee schedule. No fingerprint requirement for adjusters appears in NIPR's Vermont rules. Experience rule: applicants must certify 2 years of claims experience or special training, or work under the immediate supervision of a Vermont-licensed adjuster with at least 3 years in business (8 V.S.A. 4803(a)(4)).
License term: Biennial. All Vermont adjuster licenses (P&C, workers' comp, crop, public) expire March 31 of even-numbered years regardless of issue date, and the renewal window opens January 1.
Continuing education
NIPR's Vermont renewal rules list CE as not required for Adjuster-Property and Casualty, Crop Adjuster and Public Adjuster licenses, but required for Workers' Compensation Adjusters (8 V.S.A. 4803(e) directs the Commissioner to require education or training for WC adjusters). The number of WC adjuster CE hours was not verified.
Nonresident adjusters, reciprocity and DHS
Nonresidents must hold a similar license in their home state and apply electronically through NIPR. P&C and crop nonresident licenses need no Vermont exam, but all workers' compensation adjusters, nonresidents included, must pass the Vermont written exam. An ADHS may be designated only if the applicant's resident state does not issue resident adjuster licenses, the applicant holds no active resident adjuster license anywhere, and the DHS state shows an active nonresident adjuster license on the PDB. Public adjusters cannot designate a home state.
Designated home state license: Vermont may not be selected as an Adjuster Designated Home State (NIPR) and does not issue a DHS license.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
No license is required for an adjuster, public adjuster or appraiser sent into Vermont by an admitted insurer to handle a particularly unusual or extraordinary loss, or a series of losses from a common catastrophe (8 V.S.A. 4803(d)(2)). No separate emergency registration process was verified.
Public adjusters in Vermont
Separate Public Adjuster license (property and casualty lines held together). Exam required for residents; $230 initial and $200 renewal (NIPR); same 2-year experience or supervision requirement as adjusters (8 V.S.A. 4803). NIPR lists no CE requirement. Bond requirement not verified.
Insurance adjuster salary in Vermont
| Claims adjusters, examiners and investigators | Vermont | United States |
|---|---|---|
| Mean annual wage | $90,250 | $80,470 |
| Median annual wage | $83,970 | $78,000 |
| 10th to 90th percentile | $62,360 to $118,500 | $48,850 to $117,040 |
| Employment | 280 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Vermont?
Vermont requires a license for anyone who investigates or negotiates settlement of claims for insurers, or solicits business from insurers as an adjuster (8 V.S.A. 4791). Officials and employees of domestic fire or casualty insurers are exempt, so staff adjusters of out-of-state insurers are not. License types are Adjuster-Property and Casualty, Workers' Compensation Adjuster and Crop Adjuster, plus a separate Public Adjuster license.
How much does an adjuster license cost in Vermont?
In Vermont, the resident license fee is $150. Fees change, so confirm current amounts with the Vermont Department of Financial Regulation (DFR), Insurance Division - Producer Licensing.
Can a nonresident get an adjuster license in Vermont?
Nonresidents must hold a similar license in their home state and apply electronically through NIPR. P&C and crop nonresident licenses need no Vermont exam, but all workers' compensation adjusters, nonresidents included, must pass the Vermont written exam. An ADHS may be designated only if the applicant's resident state does not issue resident adjuster licenses, the applicant holds no active resident adjuster license anywhere, and the DHS state shows an active nonresident adjuster license on the PDB. Public adjusters cannot designate a home state.
How much do insurance adjusters make in Vermont?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Vermont earned a mean of $90,250 a year in May 2025, with a median of $83,970. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Vermont resources
Regulator: Vermont Department of Financial Regulation (DFR), Insurance Division - Producer Licensing
Sources
- nipr.com/licensing-center/state-requirements/vermont-resident-licensing-individual
- nipr.com/licensing-center/state-requirements/vermont-resident-renewal-individual
- nipr.com/licensing-center/state-requirements/vermont-non-resident-adjuster-licensing-indiv
- nipr.com/licensing-center/state-information/vermont
- prometric.com/exams/insurance-vt/
- prometric.com/files/vermont/Vermont-Licensing-Bulletin.pdf
- codes.findlaw.com/vt/title-8-banking-and-insurance/vt-st-tit-8-sect-4791/
- codes.findlaw.com/vt/title-8-banking-and-insurance/vt-st-tit-8-sect-4803/
Adjuster license requirements in other states
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