An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. A.R.S. § 20-321. See A.R.S. § 20-321.01 for exemptions.
"Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured.
"Independent adjuster" is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer.
A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations. ARS § 20-321(1)(b)(ii).
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All insurance professionals (both residents and nonresidents) can apply for licenses, renew licenses, and update addresses and phone numbers online through the National Insurance Producer Registry (NIPR), at www.nipr.com.
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Notice to License Applicants
ARS § 41-1030(G) requires most Arizona government agencies to prominently print the provisions of ARS § 41-1030(B), (D), (E) and (F) on all license applications. The following is the language in ARS § 41-1030(B), (D), (E) and (F):
B. An agency shall not base a licensing decision in whole or in part on a licensing requirement or condition that is not specifically authorized by statute, rule or state tribal gaming compact. A general grant of authority in statute does not constitute a basis for imposing a licensing requirement or condition unless a rule is made pursuant to that general grant of authority that specifically authorizes the requirement or condition.
D. This section may be enforced in a private civil action and relief may be awarded against the state. The court may award reasonable attorney fees, damages and all fees associated with the license application to a party that prevails in an action against the state for a violation of this section.
E. A state employee may not intentionally or knowingly violate this section. A violation of this section is cause for disciplinary action or dismissal pursuant to the agency’s adopted personnel policy.
F. This section does not abrogate the immunity provided by section 12-820.01 or 12-820.02.
DIFI INSURANCE LICENSING SECTION