Official Summary Text
SB1415 - 572R - Senate Fact Sheet
Assigned to
RAGE��������������������������������������������������������������������������������������������� AS
PASSED BY COMMITTEE
ARIZONA STATE SENATE
Fifty-Seventh
Legislature, Second Regular Session
AMENDED
FACT SHEET FOR
S.B. 1415
insurance
adjuster license; eligibility
Purpose
Prescribes adjuster licensure requirements for a salaried employee of an
insurer or managing general agent who held an active designated home state
license in another state before January 1, 2026.
Background
The Department of Insurance and Financial Institutions (DIFI) is
responsible for regulating the insurance industry,
financial institutions, financial service professionals and business entities
.
The duties of DIFI include licensing, investigating and resolving consumer
complaints against regulated entities and professionals (
Ariz.
Const. art. 15 � 5
;
A.R.S.
Title 6
and
Title 20
).
Current statute outlines qualification requirements for a person to be
licensed as an insurance adjuster in Arizona.
Adjusters
are any person,
who works for compensation, fee or commission, that adjusts, investigates, or
negotiates settlements of claims arising under property and casualty insurance
contracts on behalf of either an insurer or the insured. To obtain a license as
an adjuster in Arizona, an applicant must apply to DIFI and meet the following
qualifications: 1) be at least 18 years of age; 2) be a resident of Arizona or
of another state that allows residents of Arizona to act as an adjuster in the other
state; and 3) take and pass an examination given by or under the supervision of
the Director of DIFI that tests an applicant's knowledge of insurance and legal
responsibilities of an adjuster. An out-of-state adjuster who is sent to
Arizona on behalf of an insurer for the purpose of investigating or making
adjustment of a particular loss under an insurance policy, or a series of
losses resulting from a catastrophe common to all those losses, is exempt from
the adjuster licensure requirements (A.R.S. ��
20-321
and
20-321.01
).
There is no anticipated fiscal impact to the state General Fund
associated with this legislation.
Provisions
1.
Deems
a salaried employee of an insurer or a managing general agent to be a licensed
adjuster without taking Arizona's adjuster examination if the person;
a)
is a resident of Arizona and before January 1, 2026, held an active
designated home state adjuster license in another state;
b)
is currently in good standing in the other state;
c)
submits an application for licensure by virtue of holding an active
designated home state adjuster license on a form prescribed by DIFI and the fee
and fingerprints as required by statute; and
d)
had
qualified for a designated home state adjuster license in the other state by
passing a state-approved examination.
2.
Requires a person who is licensed as a salaried employee adjuster to
only adjust for an insurer or a managing general agent.
3.
Prohibits
a salaried employee adjuster from adjusting claims on behalf of:
a)
an insured; or
b)
an
insurer in a capacity other than as a salaried employee of an insurer or a
managing general agent.
4.
States that the issued adjuster license is valid and renewable until the
person no longer adjusts claims as a salaried employee of an insurer or a
managing general agent.
5.
Requires a person who wishes to act as or claim to be an adjuster to
apply for and obtain a license as an adjuster.
6.
Defines
salaried employee
as an employee whose compensation is
not contingent on the outcome of a claim determination.
7.
Becomes effective on the general effective date.
Amendments Adopted by
Committee
1.
Specifies that a salaried employee must pass a state-approved
examination, rather than a state-administered examination, to meet the
licensure requirements.
2.
Requires a person who is licensed as a salaried employee adjuster to
only adjust for an insurer or a managing general agent.
3.
Prohibits
a salaried employee from adjusting claims on behalf of:
a)
an insured; or
b)
an
insurer in a capacity other than as a salaried employee of an insurer or a
managing general agent.
4.
Specifies that the issued adjuster license is both valid and renewable,
rather than only renewable, until the person no longer adjusts claims as a
salaried employee of an insurer or a managing general agent.
5.
Makes technical and conforming changes.
Senate Action
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Prepared by Senate Research
February 6, 2026
JT/HD/ci
Current Bill Text
Read the full stored bill text
Chapter 0011 - 572R - S Ver of SB1415
Senate Engrossed
insurance adjuster
license; eligibility
State of Arizona
Senate
Fifty-seventh Legislature
Second Regular Session
2026
CHAPTER 11
SENATE BILL 1415
AN
ACT
amending title 20, chapter 2, article
3.2, arizona revised statutes, by adding section 20-321.03; relating to
insurance adjusters.
(TEXT OF BILL BEGINS ON NEXT PAGE)
Be it enacted by the Legislature of the State of Arizona:
Section 1. Title 20, chapter 2, article 3.2,
Arizona Revised Statutes, is amended by adding section 20-321.03, to read:
START_STATUTE
20-321.03.
Salaried employee adjusters; licensure; exemption; renewability:
definition
A. Notwithstanding sections 20-321.01
and 20-321.02, a salaried employee of an insurer or of a managing general
agent is eligible to be licensed in this state as an adjuster without taking
this state's adjuster examination if all of the following apply:
1. The salaried employee is a
resident of this state and before January 1, 2026 held an active designated
home state adjuster license in another state.
2. The salaried employee who holds
an active designated home state adjuster license from another state is
currently in good standing in the other state.
3. The salaried employee submits
an application for licensure by virtue of holding
an active designated home state adjuster license
on a form prescribed by the director and submits the fee and the
fingerprints as required by section 20-285, subsection E
on or before June 30, 2027.
4. The salaried employee qualified
for a designated home state adjuster license in the other state by passing a
state-approved examination.
B. A person who is licensed as an
adjuster pursuant to this section shall only adjust claims as a salaried
employee of an insurer or managing general agent and may not:
1. Adjust claims on behalf of an
insured.
2. Adjust claims on behalf of an
insurer in a capacity other than as a salaried employee of the insurer or a
managing general agent.
C. An adjuster license that is issued
pursuant to this section is
valid and renewable only for
as long as and until the time the person ceases to adjust claims as a salaried
employee of the licensed insurer or managing general agent.� A person who
wishes to act as or claim to be an adjuster shall apply for and obtain a
license as an adjuster.
D. For the purposes of this section,
"salaried employee
" has the same
meaning prescribed in section 20-321, paragraph 1, subdivision (
b
), item (
ii
).
END_STATUTE
APPROVED BY THE GOVERNOR APRIL 2, 2026.
FILED IN THE OFFICE OF THE SECRETARY OF STATE APRIL 2, 2026.