Become a New York Insurance Adjuster

Licensing Rules and Online State Exam Prep for New York Claims Adjusters

AdjusterPro's Bottom-line: New York requires resident and non-resident applicants to be bonded and to pass the New York adjuster exam specific to their line of insurance. Choose our Online NY Exam Prep program to help you study for the Independent General Adjuster exam.

New York is not reciprocal with any other state for licensing adjusters. This is a two-year license, for which there is no continuing education requirement.

Adjuster License Requirements

To become a licensed New York insurance adjuster, individuals must:

  • Be 18 years of age or older.
  • Never have committed a felony or any crime involving fraudulent or dishonest practices. If applicant has committed such crimes, he or she must obtain a certificate of good conduct from the Board of Parole before applying for this license.
  • Provide a $1,000 bond to cover the licensing period.
  • Take and pass the New York adjuster exam within two years prior to application.
  • Submit application form with the following:                
    • Application fee.
    • If resident, proof of MorphoTrust ( Fingerprint card. See below for more details.
    • Five (5) Certificates of Character for each licensee or each sub-licensee. The Certificates of Character must be executed the same date or AFTER the execution date of the application to which they are attached.
    • Proof of required filing of a partnership, corporation, company, or trade name. You may request approval of name by mailing or emailing a list of your chosen names to the Department of Insurance, Licensing Bureau.           
  • NOTE: New York counts as a "resident" anyone who maintains a resident or business address in New York. A "non-resident" is anyone who has neither a resident address nor a business address in New York.
  • Check the FAQ section of the New York State Department of Financial Services here.

Adjuster Exam Preparation

AdjusterPro offers full-preparedness exam study packages specifically for New York. Select from any of the packages (above-right) and take your New York adjuster exam with absolute confidence you'll pass the first time.

Adjuster Exam Registration

As of Sept. 7, 2013 schedule your New York exam online with Prometric or by calling 1-800-324-7147.

New York License Application

  • Complete the New York State Exam administered by Prometric.
    • Wait a week after completing the exam (to allow for your score to be processed) and then submit your application.
  • Submit your application and the required fees and forms listed above.
  • Certificates of Character can be found within the application.
  • In the case of a catastrophe, the New York Insurance Department will issue a Temporary Adjuster Permit if requested by an authorized insurer.
  • Fingerprinting: applicants with an address in New York State must be electronically fingerprinted by MorphoTrust USA.
  • Contact MorphoTrust at (217) 793-2080 or
  • Download and complete the Request for NYS Electronic Fingerprinting Services and submit it to MorphoTrust at the time of being electronically fingerprinted.
  • See the New York State adjuster application for more details on fingerprinting.
    • If you do not have an address in New York State and you cannot go to a MorphoTrust location in New York, submit the following to the Department:
      • Completed fingerprint card;
      • NYS Request for Card-Scan Services (Form NYSIDCSFP); Without this form your application will be rejected.
      • Fingerprint fee of $84.95 ($75 for DCJS plus $9.95 for fingerprinting processing).

      • Make check payable to MorphoTrust USA.


New York is not reciprocal with any state. To become a licensed adjuster in New York you must take a state exam.

Maintaining Your License

  • No Continuing Education is required. See here for more details. 
  • License is valid for two years. It will expire on December 31st in each even-numbered year. Renew your license online here.
  • Most licenses can be renewed on-line at
  • Report changes to your address online here.

License Fees

  • Exam Fee: $49
  • Licensing fee: $100 for the first year, $50 for the second.
  • Fingerprinting fee: $84.95
  • Make your application fee check payable to “Superintendent of Financial Services.”

Contact the New York Department of Insurance

Licensing Bureau, One Commerce Plaza, Albany NY 12257

Phone: (518) 474-6630, Fax: (518) 474-5048, Email:

AdjusterPro Exam Study Guides

Pass the New York Exam the 1st Time!

AdjusterPro takes the anxiety out of your state exam by delivering a turn-key New York-specific online study program for each of the following license types:

  • New York Independent General Adjuster

Adjuster Licensing Guide

Get started by selecting your state for State Licensing Requirements, Reciprocity, Exam Study Guides and Agency Contact Information.


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This information was obtained via a 2014 state by state survey and was based upon the best information available. Please be sure to verify the accuracy individually per state statutes.