What are the different types of insurance licenses?

The main license types are insurance producer, surplus lines broker, adjuster, adviser, and third-party administrator (TPA). Producers hold one or more lines of authority — Life, Accident and Health, Property, Casualty, Personal Lines, and Variable products — with a separate license required for each class of insurance sold. Adjusters come in three kinds: staff (salaried employees of one insurer), independent (contractors who work for several firms), and public (who represent policyholders rather than insurers).

Delaware licenses insurance producers (the statutory term covering agents and brokers), who hold major lines such as Life, Accident and Health, Property, Casualty, and Personal Lines. The state also issues limited lines licenses (Credit, Title, Travel, Bail, and others), adjuster licenses by line of authority, public adjuster licenses, motor vehicle appraiser licenses, surplus lines broker licenses, and fraternal representative licenses. Business entities such as agencies must also be licensed and must designate a responsible licensed producer.