To meet Utah adjuster license requirements, you must be at least 18, pass a Prometric state exam for each line of authority you want, clear a fingerprint-based background check, and submit an application with a $75 fee to the Utah Insurance Department. The license runs on a two-year cycle tied to your birth month and carries 24 hours of continuing education per cycle.
Decide What Kind of Adjuster You Want to Be
Utah issues two main categories of adjuster license, and you pick before you apply. Independent adjusters work on behalf of insurance companies, evaluating damages and recommending settlement amounts. Public adjusters are hired by policyholders to push for a higher payout. Each requires its own license, and public adjusters face extra rules covered further down.
You also choose your lines of authority: property and casualty, accident and health, crop, or workers’ compensation.1NIPR. Utah Non-Resident Adjuster Licensing Individual Most people start with property and casualty, since it covers homeowner, auto, and commercial claims. You take a separate exam for each line.
Who Can Apply
Utah Code 31A-26-202 sets the baseline. You must be at least 18 and provide your Social Security number or federal employer identification number. The application asks for your personal history, professional experience, education, and business record.2Utah Legislature. Utah Code 31A-26-202 – Application for License
You also have to disclose anything that could be grounds for denial under Section 31A-26-213. The common triggers:
- A felony conviction, or a misdemeanor involving fraud, theft, or dishonesty
- Misappropriating money or property received during claims work
- Providing false or incomplete information on the application, or misrepresenting a policy
- Failing good-faith claims-handling obligations
- Having an insurance or professional license denied, suspended, or revoked in another state
- Knowingly accepting insurance business from an unlicensed person3Utah Legislature. Utah Code 31A-26-213
A criminal record is not an automatic bar. The department evaluates the nature and relevance of the offense, and it tends to work better with applicants who disclose upfront than with those who omit a history and get caught.
Active-duty military members stationed in Utah and their spouses are exempt from the license application fee if they hold a current, valid license in another state.2Utah Legislature. Utah Code 31A-26-202 – Application for License
Pass the Exam
The Utah Insurance Department contracts with Prometric for adjuster licensing exams.4Prometric. Utah Insurance Licensing Information Bulletin Each line of authority has its own exam, and each costs $32. Spanish-language versions are available at the same price.5Prometric. Utah Insurance Exam FAQs
You need 70 percent to pass. The exam covers insurance law, policy interpretation, and claims-handling practices for the line you chose. Utah does not require pre-licensing education, so you can walk in cold if you want, though commercial prep courses commonly run between $115 and $800.
Get Fingerprinted
Before the department will process your application, you need a fingerprint-based criminal background check. Fingerprints are captured at a Prometric test center using LiveScan, which sends them to the Utah Department of Public Safety and the FBI.6Utah Insurance Department. Exam and Licensing Procedures
Two fees apply: a $32 FBI/BCI fingerprint fee you pay by credit card during the online application, and a $6 Prometric processing fee you pay at the test center. Budget about $38 total.
Submit the Application
Once you have passed the exam and completed fingerprinting, you file electronically through either Sircon or the National Insurance Producer Registry (NIPR).7NIPR. Apply for an Insurance License Have your Prometric score report ready, plus your National Producer Number if you hold licenses in other states.
The state license fee is $75, nonrefundable even if the application is denied.8Utah Insurance Department. Utah Insurance Department Fee Schedule NIPR and Sircon add their own processing fees. Payment is by credit card during submission.
A typical resident, one line of authority, pays:
- Exam: $32
- Fingerprints and background check: $38
- State license: $75
- Portal processing: varies
All in, roughly $150 before prep courses or portal fees.
Applying From Outside Utah
If you already hold an active resident adjuster license in another state, you can apply for a Utah non-resident adjuster license through NIPR without retaking the exam. The state fee is still $75.1NIPR. Utah Non-Resident Adjuster Licensing Individual
Not every state licenses adjusters. If your home state does not, and you hold only a producer license there, Utah requires you to designate a home state through the Adjuster Designated Home State (ADHS) system, submitted electronically through NIPR. If you hold only a non-adjuster producer license in a state that does not license adjusters, and you hold no active adjuster license anywhere else, Utah will decline the application. You would need to first obtain a resident adjuster license in a state that offers one.
Extra Rules if You Want to Be a Public Adjuster
Public adjusters carry obligations independent adjusters do not. Utah caps the fee at 10 percent of the settlement on a catastrophic claim and 20 percent on a non-catastrophic claim.9Utah Legislature. Utah Code 31A-26-402 You cannot collect any fee, retainer, or deposit before the claim actually settles.
Every public adjuster contract has to spell out how compensation is calculated, whether that is hourly, flat, percentage, or something else, and it must itemize any initial expenses the policyholder agrees to reimburse. If the insurer pays or commits in writing to pay the full policy limit within 72 hours of the loss being reported, you cannot take a percentage-based fee on that payment.
Continuing Education and Renewal
Your license expires on the last day of your birth month every two years, and the renewal fee is $75.10Utah Insurance Department. Renewals and Reinstatements All continuing education must be done before you submit the renewal.
CE adds up to 24 credit hours per two-year cycle, including 3 hours of ethics. At least 12 of the 24 must come from classroom or classroom-equivalent instruction, and no more than 12 can come from insurer-provided courses. Every course must be approved by the Utah Insurance Department.11Utah Legislature. Utah Code 31A-26-206 Title insurance adjusters need only 12 hours per cycle, still with 3 hours of ethics. Keep your completion records for two years after the end of the licensing period they apply to.
Active Utah State Bar members are exempt from CE. Non-resident adjusters are treated as compliant with Utah’s CE as long as they satisfy their home state’s requirements, provided the home state extends Utah licensees the same courtesy.