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Indiana Department of Insurance

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Indiana Department of Insurance

IDOI > Licensing > Resident Adjuster Licensing > Contracts, Duties and Responsibilities of Independent and Public Adjusters > Persons Exempt From Holding an Independent or Public Adjuster License Persons Exempt From Holding an Independent or Public Adjuster License

Persons Exempt From Holding an Independent Adjuster License Under IC 27-1-28-6:

  1. An attorney who is admitted to practice in Indiana and acts in a professional capacity at an attorney.
  2. A person employed solely to obtain facts surrounding a claim and furnish technical assistance to a licensed Independent Adjuster.
  3. An individual who is an employee or an affiliate of a licensed Independent Adjuster.
  4. An individual who is supervised by a licensed Independent Adjuster or a licensed insurance producer licensed under IC 27-1-15.6.
  5. An individual who supervises not more than twenty-five (25) persons described in this subdivision.
  6. An individual who is employed solely to collect claim information from insureds or claimants, furnish claim information to insureds or claimants, or perform data entry into an automated claims adjudication system.
  7. An individual who is employed to investigate suspected fraudulent insurance claims, but who does not adjust losses or determine claim payments.
  8. A person that performs only executive, administrative, managerial, or clerical duties; and does not investigate, negotiate, or settle claims with policyholders, claimants, or legal representatives of policyholders or claimants.
  9. A person that settles only reinsurance or subrogation claims.
  10. An officer, director, manager, or employee of an authorized insurer, a managing general agent, a surplus lines insurer, a risk retention group, or an attorney in fact of a reciprocal insurer.
  11. A manager of the United States branch of an alien insurer.
  12. A person that investigates, negotiates, or settles life, accident and health, annuity, or disability insurance claims.
  13. Under a self-insured arrangement, an individual who adjusts claims on behalf of the individual's employer.
  14. A licensed insurance producer, an attorney in fact of a reciprocal insurer, or a managing general agent of an insurer to whom claim authority has been granted by the insurer.
  15. A person that is authorized to adjust worker's compensation or disability claims under the authority of a third party administrator.
  16. A person that investigates, negotiates, or settles crop insurance claims.
  17. An individual who does not adjust losses or determine claim payments but is employed to use a specialized skill possessed by the individual to make a determination concerning an element of a claim that is used by an independent adjuster, or an adjuster who is directly employed by an insurer, in adjusting a loss or determining a claim payment.

Persons Exempt From Holding a Public Adjuster License Under IC 27-1-27-1:

  1. An attorney at law admitted to practice in the state of Indiana who adjusts insurance losses in the course of the practice of the attorney's profession.
  2. An officer, regular salaried employee, or other representative of an insurer or of an attorney in fact of any reciprocal insurer of Lloyd's underwriter licensed to do business in Indiana who adjusts losses arising under an employer's or principal's own policies.
  3. An adjustment bureau or association owned and maintained by insurers to adjust or investigate losses of such insurers, or any regular salaried employee who devotes substantially all the employee's time to the business of such bureau or association.
  4. Any licensed insurance producer or an authorized insurer or officer or employee of the same who adjusts losses for such insurer, and any insurance producer or representative of a farm mutual insurance company operating under the farm mutual insurance laws of this state on behalf of an insurer.
  5. Any Independent Adjuster representing an insurer.