# How to Become an Insurance Adjuster in New Jersey

_Licensing_

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New Jersey does not require independent adjusters to hold a state-issued license, making it a non-licensing state for most adjuster types. Public adjusters must be licensed and bonded through the New Jersey Department of Banking and Insurance. If you plan to work as an independent adjuster, a Designated Home State license from Florida or Texas is the standard path.



New Jersey is a non-licensing state for independent adjusters. The state does not require independent or staff adjusters to hold a state-issued license. However, Public Adjusters must be licensed.

Independent adjusters should obtain a Designated Home State (DHS) license from another state for career flexibility, access to non-resident licensing, and employer requirements.



No exam is required for independent adjusters. Public adjuster exam requirements are set by the New Jersey Department of Banking and Insurance.



Choose a Designated Home State for your license (Florida and Texas are most common)Complete that state's licensing requirementsUse your DHS license to work in New Jersey and apply for non-resident licenses in other states

Public adjusters must complete 15 hours of continuing education every 2 years. Independent adjusters have no New Jersey CE requirements but must meet CE requirements for their DHS state.



New Jersey's proximity to New York and Pennsylvania makes it a common market for adjusters based in those states. While independent adjusters do not need a New Jersey license, obtaining a DHS license remains important for multistate work.