WHAT IS AN ADJUSTER?

An adjuster is an individual or business that is paid to adjust, investigate or negotiate insurance claim settlements on behalf of an insurance company or insured. ARS § 20-321.

  • "Public adjuster" is a term often used to describe a person hired to adjust, investigate or negotiate insurance claim settlements on behalf of the insured.
  • "Independent adjuster"  is a term often used to describe a person who is an independent contractor for an insurance company or managing general agent (not a salaried employee) who adjusts, investigates or negotiates insurance claim settlements for the insurer.

A salaried employee of an insurance company or managing general agent may, without an adjuster license, adjust, investigate and negotiate settlements of claims on behalf of an insurance company if the employee's compensation is not contingent upon the outcome of claim determinations.  ARS § 20-321(1)(b)(ii).