How to Get a Public Adjuster License in Indiana
This guide is for informational purposes only. SuretyBonds.com does not regulate or manage public adjuster licenses in Indiana. Contact the Department of Insurance for the latest official requirements.
How to Become a Public Adjuster in Indiana
The Indiana Department of Insurance (IDOI) regulates all public adjusters in the state. Most insurance adjusters who assist in settling property claims must be licensed unless exempt under Indiana Code 27-1-28-6.
To apply for a license, you’ll need to pass an exam and file a surety bond. Continue reading for step-by-step application instructions, renewal information and a total cost breakdown.
How Do I Get a Public Adjuster License in Indiana?
To get a public adjuster license in Indiana, follow these four steps:
Step 1: Verify eligibility
To apply for a public adjuster license, you must be at least 18 years old and have no actions on your record that could result in the denial, suspension or revocation of a license.
While you don’t need to be a state resident, nonresidents must designate a home state where they have an active license. The IDOI will verify your license status via the National Association of Insurance Commissioners (NAIC) State Producer Licensing Database.
If you are applying for a license in a different state, we also offer insurance adjuster bonds nationwide.
Step 2: Pass an exam
You must pass the Indiana public adjuster exam with a score of 70%. The exam tests general insurance knowledge as well as federal and state regulations.
First, request a Certificate of Test Eligibility by emailing [email protected]. You must take the exam by the expiration date on your certificate.
Register online and pay the $50 exam fee. If necessary, you can register to retake the exam after 48 hours.
Step 3: Purchase a surety bond
Under Indiana Code 27-1-27-4(e), you must file a $10,000 surety bond for licensing. This protects clients from financial harm due to fraudulent or negligent adjusters.
Purchase your Indiana public adjuster bond instantly online for just $100.
Step 4: Submit application
Complete the Sircon online application or the NAIC paper application and pay the $50 licensing fee.
Once approved, you can print your license directly from your Sircon account.
How to Renew Your Public Adjuster License
Indiana public claims adjuster licenses expire annually on December 31. If you apply on or after October 1, your license will expire in December of the following year.
Complete the renewal form on your Sircon account and upload proof of an up-to-date surety bond.
Nonresidents must renew their home state license first.
How Much Does It Cost to Get a Public Insurance Adjuster License?
You can expect to pay $200 to get an Indiana public insurance adjuster license. This includes the following fees:
- Exam fee: $50
- Surety bond premium: $100*
- Licensing fee: $50
*This reflects SuretyBonds.com public adjuster bond rates for a one-year term. Purchase a multi-year term to save up to 25%.
Does Indiana Require Prelicensing Education?
No, Indiana does not require prelicensing or continuing education. You only need to pass the public adjuster exam to qualify for a license.
However, you can complete third-party education courses if needed before taking the exam.
How Hard Is the Insurance Adjuster Exam?
All public adjusters must pass the Indiana Public Adjuster Exam with a score of 70%. While the exam can be difficult, its topics and format are publicly available to help you prepare effectively.
The IDOI doesn’t provide official practice tests or study materials, but there are still many third-party online resources available.
The exam content outline details the concepts you need to know and can help guide your studying. The exam includes the following topics:
- Licensing requirements
- State and federal insurance regulations
- Insurance terms and related concepts
- Adjuster responsibilities and procedures
- Personal and commercial property policies
- Building codes and construction concepts
You have 60 minutes to answer 60 multiple-choice questions. If necessary, you can register for a retake 48 hours after completion.
What If My Designated Home State Changes?
If you’re a nonresident and move to a different state, you will need to apply for a resident license in your new home state. Once you receive your new license, your original home state will terminate your previous one.
Notify the Indiana Commissioner of Insurance within 30 days of the termination date. Include both your old address and your new one.
Last Updated: June 27, 2025
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