How do I verify a public adjuster's license in Minnesota?

You can verify a public adjuster's license through the Minnesota Department of Commerce at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=MN

What are the licensing requirements for public adjusters in Minnesota?

Public adjusters in Minnesota must pass a licensing exam, obtain a $10,000 surety bond, and complete 24 hours per renewal period, including a minimum of 3 hours of ethics..

Minnesota Public Adjuster Regulations

Complete guide to public adjuster licensing, fees, and regulations in Minnesota. Regulated by the Minnesota Department of Commerce.

Verify a license with MN DOI

Fee Structure

No statutory fee cap

Minnesota does not set a statutory percentage cap on public adjuster fees. Compensation must be disclosed in writing in the adjusting contract before services begin. Fee splitting is prohibited except with other licensed public adjusters.

Licensing Requirements

Licensing exam required

Surety bond required ($10,000)

E&O insurance required

Continuing Education

24 hours per renewal period, including a minimum of 3 hours of ethics.

Contract Requirements

Written contract required with the fee disclosed and a boldface (10-point or larger) cancellation-rights notice. A duplicate, easily detachable "NOTICE OF CANCELLATION" form must be attached. Public adjusters must display their license when soliciting clients.

Cancellation period: 72 hours from contract signature. Cancellation must be in writing to the adjuster's business address.

Solicitation Rules

Public adjusters may not initiate solicitation between 8 p.m. and 8 a.m., pay referral fees or other inducements, solicit clients already under contract with another adjuster, or misrepresent facts or law.

Governing Statutes

Minnesota Statutes Chapter 72B (Insurance Adjusters); public adjuster contract and conduct rules at Minn. Stat. §§ 72B.135 and 72B.136

Frequently Asked Questions

How much can a public adjuster charge in Minnesota?: Minnesota does not set a statutory percentage cap on public adjuster fees. Compensation must be disclosed in writing in the adjusting contract before services begin. Fee splitting is prohibited except with other licensed public adjusters.
How do I verify a public adjuster's license in Minnesota?: You can verify a public adjuster's license through the Minnesota Department of Commerce at https://sbs.naic.org/solar-external-lookup/lookup?jurisdiction=MN
What are the licensing requirements for public adjusters in Minnesota?: Public adjusters in Minnesota must pass a licensing exam, obtain a $10,000 surety bond, and complete 24 hours per renewal period, including a minimum of 3 hours of ethics..

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