# How to Become an Insurance Adjuster in Minnesota

_Licensing_

Canonical: https://www.claimspages.com/learn/licensing/minnesota/

Minnesota requires insurance adjusters to be licensed through the Minnesota Department of Commerce. The licensing process includes a state exam, fingerprint background check, and modest fees totaling approximately $108 to $140. Minnesota is notable for its 3-hour ethics CE requirement within the standard 24-hour biennial CE mandate. The state's exposure to severe winter storms, hail, and tornado activity creates consistent demand for licensed adjusters throughout the upper Midwest.



Minnesota issues adjuster licenses under two primary categories:

Independent Adjuster — Adjusters contracted by insurers to investigate, negotiate, and settle property and casualty claimsPublic Adjuster — Adjusters who represent policyholders in negotiating claim settlements with insurersStaff adjusters employed directly by an insurance company are exempt from individual licensing requirements in Minnesota.



The Minnesota adjuster licensing exam is a computer-based, multiple-choice test requiring a 70% passing score. The exam covers property insurance, casualty insurance, claims adjusting procedures, Minnesota insurance law, and ethics. The exam fee is $25.

Candidates who do not pass on the first attempt may retake the exam after a waiting period. Study guides and voluntary preparation courses are available through multiple providers.



Register for and pass the adjuster licensing exam ($25 exam fee, 70% passing score)Submit fingerprints for background check processingComplete the license application through the Minnesota Department of Commerce or NIPRPay the $50 application fee and fingerprint processing fee ($33-$65)Public adjuster applicants: obtain and file a $10,000 surety bondReceive your adjuster license (processing typically takes 2-4 weeks)

Minnesota requires all licensed adjusters to complete 24 hours of continuing education every 2 years for license renewal. Of these 24 hours, at least 3 hours must be in ethics. CE courses must be taken through providers approved by the Minnesota Department of Commerce. This ethics-specific requirement distinguishes Minnesota from many other states that do not mandate a minimum number of ethics hours.



Minnesota's climate drives significant claims activity from severe winter storms, hail, and tornadoes. The state sits in the heart of the upper Midwest severe weather corridor, making it an active market for property claims adjusters. Minnesota's 3-hour ethics CE requirement is notable — adjusters should ensure they plan their CE schedule to include approved ethics courses before their renewal deadline.