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A11042 • 2025

Relates to licensing of independent insurance adjusters

Relates to licensing of independent insurance adjusters

Education
Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
Sam Berger
Last action
2026-04-23
Official status
In Assembly Committee
Effective date
Not listed

Plain English Breakdown

The official source material does not provide specific details about what happens to individuals without required certifications.

Insurance Adjuster Licensing Changes

This bill changes the licensing requirements for independent insurance adjusters by waiving the written examination requirement if applicants hold a claims certification from a national or state-based claims association.

What This Bill Does

  • Changes the law about getting licenses for people who work as independent insurance adjusters.
  • Allows individuals holding a claims certification issued by a national or state-based claims association to waive the written examination requirement, provided that their certification program includes at least 40 hours of pre-exam coursework, a proctored exam, and 24 hours of continuing education every two years.

Who It Names or Affects

  • Independent insurance adjusters applying for or renewing their licenses in New York State.
  • The superintendent who oversees the licensing process.

Terms To Know

independent adjuster
A person hired by an insurance company to investigate and settle claims on behalf of the insurer.
claims certification
A special qualification or license given by a professional organization that proves someone has the necessary skills and knowledge in handling insurance claims.

Limits and Unknowns

  • The bill does not specify what happens to people who do not have the required certifications.
  • It is unclear when this law will become effective as it currently lacks an official effective date.

Bill History

  1. 2026-04-23 Assembly

    REFERRED TO INSURANCE

Official Summary Text

Relates to licensing of independent insurance adjusters
Relates to licensing of independent insurance adjusters by waiving requirements regarding a written examination if the applicant holds a claim certification from a national or state-based claims association.

Current Bill Text

Read the full stored bill text 
S T A T E   O F   N E W   Y O R K
        ________________________________________________________________________

                                          11042

                                  I N  A S S E M B L Y

                                     April 23, 2026
                                       ___________

        Introduced by M. of A. BERGER -- read once and referred to the Committee
          on Insurance

        AN ACT to amend the insurance law, in relation to licensing of independ-
          ent adjusters

          THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
        BLY, DO ENACT AS FOLLOWS:

     1    Section 1. Paragraph 1 of subsection (f) of section 2108 of the insur-
     2  ance law is amended to read as follows:
     3    (1) The superintendent shall, in order to determine  the  trustworthi-
     4  ness and competency to act as an independent adjuster of each individual
     5  applicant for such license, and of each proposed sub-licensee, except in
     6  the case of a renewal license, require every such individual to take and
     7  pass,  to  the  satisfaction  of  the superintendent, a personal written
     8  examination. The superintendent may prescribe the types of written exam-
     9  inations according to the kind or kinds of insurance claims [which] THAT
    10  the applicant is to be licensed to investigate and  adjust.    THE  EXAM
    11  REQUIREMENT  SHALL  BE  WAIVED  FOR INDIVIDUALS HOLDING A CLAIMS CERTIF-
    12  ICATION ISSUED BY A NATIONAL OR  STATE-BASED CLAIMS ASSOCIATION  WITH  A
    13  CERTIFICATION PROGRAM THAT CONSISTS OF AT LEAST  FORTY HOURS OF PRE-EXAM
    14  COURSEWORK,  A  PROCTORED EXAM OF SUFFICIENT LENGTH TO ADEQUATELY DETER-
    15  MINE THE COMPETENCY OF THE INDIVIDUAL, AND TWENTY-FOUR HOURS OF CONTINU-
    16  ING EDUCATION REQUIRED FOR  CERTIFICATION RENEWALS ON A BIENNIAL  BASIS,
    17  SUBJECT TO THE APPROVAL OF THE SUPERINTENDENT.
    18    § 2. This act shall take effect immediately.




         EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                              [ ] is old law to be omitted.
                                                                   LBD09379-01-5