What can I do with an all-lines insurance adjuster license?

An all-lines adjuster license lets you investigate and settle claims across coverage types rather than a single line. In Texas it covers catastrophe, property and casualty, workers' compensation, and other types of insurance; in Florida it authorizes the holder to determine the amount of a claim payable under an insurance contract and settle the claim. Licensees typically work as independent adjusters, who contract with several firms and often travel to disaster areas, or as company employee adjusters on an insurer's staff.

Arkansas does not issue an all-lines adjuster license; it licenses adjusters by line. PSI administers separate adjuster exams for the General, Property, Casualty, and Workers' Compensation lines, each a 1.5-hour exam with a $40 fee and a 70% passing score. Any three adjuster exams can be taken together.

Colorado does not issue an all-lines adjuster license, and it does not license independent or staff adjusters who work for insurers. The state licenses only public adjusters, who work solely for policyholders on a contract basis and must pass a Pearson VUE exam and post a $20,000 surety bond. Colorado residents who adjust on behalf of insurers commonly obtain a designated home state license from another state instead.

South Dakota does not license property/casualty adjusters, so the state does not issue an all-lines adjuster license. There is no adjuster license to obtain for property/casualty claims work in South Dakota.

Wyoming does not issue an all-lines adjuster license. Its adjuster lines of authority are Property, Casualty, and Crop, and residents must pass the Wyoming Insurance Adjuster Licensing Exam, apply, pay the fee, and be fingerprinted. Wyoming also offers a designated home state (DHS) adjuster license that is accepted in all US states.