United States · Licensing examWhat do you need for a New York insurance adjuster license?
- A pass on the right New York exam, taken within 2 years before you apply. PSI runs every New York insurance license exam.
- Fingerprints: electronically through IdentoGO if you have a New York address, or a mailed fingerprint card if you don't.
- The license fee: $100 for a license that runs more than a year, $50 for one year or less. It isn't refundable.
- For federal multi-peril crop adjusting, proof of CAPP accreditation.
You can skip the exam if you passed a New York exam and held the same license within the last 2 years. DFS doesn't list the exam's length or fee on its licensing pages; PSI shows them when you register.
Bond: check before you buy one
DFS's independent adjuster page says a bond is no longer required of independent adjuster applicants. Its application instructions page still lists a $1,000 bond for both adjuster types. Ask DFS before paying for a bond as an independent adjuster. Public adjusters do need the $1,000 bond.
License term
New York licenses run for up to two years, from January 1 of an odd year to December 31 of the next even year. Your first license expires on December 31 of an even year, which is why a license issued for a year or less costs half. DFS doesn't mail paper licenses; you print yours online.
Sources: NY DFS and 2 more. Checked October 2026.
- NY DFS: Independent Adjuster and Public Adjuster licensing ↗
- NY DFS: Licensing Application Instructions, Adjuster (Independent or Public) ↗
- NY DFS: Agents and Brokers ↗
Rules and fees can change, so check the official site before your test.
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