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Workers Comp Adjuster Licenses – Other States Question


Workers Comp Adjuster Licenses – Reciprocity Adds Authority

A recent question on Workers Comp adjuster licenses was emailed to me two weeks ago –

I have just passed my licensing exam in Georgia to handle Workers Compensation claims.  Do I have to take a test for each state to adjust claims outside of my home state?   

Most states allow out-of-state adjusters to adjust claims – but it is not automatic.  Do not adjust claims in states where you do not have the authority to do so or you may end up in quite a bind. You do not want your name listed in one of the Department of Insurance publications where you have had your license revoked in your home state – not good.

At the end of this article are two websites to use to see which states reciprocate with each other.

pic of workers comp adjuster licenses chauffeur
(c) Public Domain

The following states have reciprocity with Georgia:

New Hampshire
New Mexico
North Carolina
Rhode Island
South Carolina
West Virginia

Some Licensing Rules and Suggestions With Reciprocity

Some of the concerns with workers comp adjuster licenses  (P&C Licenses) are:

  • Must have a valid up-to-date adjusters license in your home state
  • If your home state does not have a licensing requirement, there is no license authority to reciprocate, very complicated situation, check with your home state’s Department of Insurance to see how to proceed
  • Pay a yearly fee to the out-of-state Department of Insurance (DOI)
  • Adjust the same lines of insurance as permitted with your home state license, an all-lines license is always preferable 
  • Not all states such as California allow reciprocal licensing – check carefully before adjusting any claims
  • Many states will allow licensed claims adjusters from other states to adjust with no license if the state’s DOI waives the licensing requirement during a catastrophe.  One caveat – you cannot adjust lines of insurance that are different than your home state license.

Websites To Assist With Out-of-State Workers Comp Adjuster Licenses

I have used Sircon here with success.  Most reciprocating states allow online applications that speed up the licensing process to a few days.  Another recommended website just to see their map of reciprocity can be found here.  Check out how you can reciprocate your license if you have a Texas or Florida workers comp adjuster license by obtaining a DHS license from those states.

Regardless, it is always best to have an all-lines license – add value to your career like obtaining your AIC or ARM designations.



James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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