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Adjuster Licensing 

The term “Adjuster” means any person who, for compensation, including, without limitation, a fee or commission, investigates and settles, and reports to his or her principal relative to claims:

  • Arising under insurance contracts for property, casualty or surety insurance, including workers’ compensation coverage, on behalf solely of the insurer or the insured; or  
  • Against a self-insurer who is providing similar coverage.  NRS 684A.020 

An adjuster is not: 

  • An associate adjuster; 
  • An attorney who adjusts insurance losses incidental to practice of law; 
  • An adjuster of ocean marine losses; 
  • A salaried employee of an insurer, unless the employee:  
    • Investigates, negotiates or settles workers’ compensations claims; and  
    • Obtains an adjuster license pursuant to NRS 684A; 
     
  • A salaried employee of a managing general agent (MGA) maintaining an underwriting office in NV; 
  • An employee of an independent adjuster or an employee of an affiliate of an independent adjuster who is one of not more than 25 such employees under supervision of an independent adjuster or licensed agent and who:  
    • Collects information relating to a claim and furnished information to a claimant; and  
    • Conducts data entry into an automated claims adjudication system. 
     
  • A person who is employed solely to obtain facts surrounding a claim or to furnishtechnical assistance to a licensed independent adjuster; 
  • A person who is employed to investigate suspected fraudulent insurance claims but does not adjusts losses or determine payment of claims. 
  • A person who performs only executive, administrative, managerial or clerical duties or any combination thereof but does not investigate, negotiate or settle claims with a policyholder or claimant or the legal representative of a policyholder or claimant; 
  • A licensed health care provider or any employee thereof or an organization that provides managed care services or  thereof if the services do not include determination of compensability; 
  • A person who settles only reinsurance or subrogation claims;  
  • A broker, agent or representative of a risk retention group; 
  • An attorney-in-fact of a reciprocal insurer; or 
  • A manager of a branch office of an alien insurer (non-US insurer) that is located in the US. 
  • A person authorized to adjust claims under the authority of a registered third-party administrator, unless the person investigates, negotiates of settles worker’s compensation claims. 

See separate pages for each of the following adjuster license types:

 

Independent Adjuster;

Public Adjuster;

Company Adjuster;

Staff Adjuster;

Associate; and

Temporary/Catastrophe Adjuster.

General Prohibitions 

An individual or business entity:

May not be concurrently licensed as any other type of adjuster;

May not be in business of repairing auto bodies or own a controlling interest in such;

May not be concurrently licensed as a producer for property, casualty or surety or a surplus lines broker, except as a bail agent.

Adjuster Code of Ethics 

Each adjuster must follow the Adjuster Code of Ethics.

An adjuster shall be honest and fair in all communications with the insured, the insurer and the public.

An adjuster shall give policyholders and claimants prompt, knowledgeable service and courteous, fair and objective treatment at all times.

An adjuster shall not give legal advice and shall not deal directly with any policyholder or claimant who is represented by legal counsel without the consent of the legal counsel involved.

An adjuster shall comply with all local, state and federal privacy and information security laws, when applicable.

An adjuster shall identify himself or herself as an adjuster and, if applicable, identify his or her employer when dealing with a policyholder or claimant.

An adjuster shall not have any financial interest in any adjustment or acquire for himself or herself or any person any interest or title in salvage without first receive in written authority from the principal.