What This License Is
The New Hampshire Adjuster license, issued by the New Hampshire Insurance Department (NHID) under RSA 402-B, is required for anyone who investigates, negotiates, or settles property, casualty, or workers' compensation claims in the state — whether employed by an insurer, an independent adjusting company, or a third-party administrator.
The license comes in three classes: Property & Casualty *including* workers' compensation, Property & Casualty *excluding* workers' compensation, and Workers' Compensation only. Pick the class that matches the claims you'll actually handle — the broadest class requires both the P&C and workers' compensation exam content.
New Hampshire also issues a separate Public Adjuster license (fire and homeowners claims, representing policyholders) — a different license with its own $100 fee, not covered by the standard adjuster credential.
Eligibility Requirements
You must be at least 18 years old and of good character; answer all background questions truthfully, since a history involving fraud or dishonesty can lead to denial.
No prelicensing course is required — New Hampshire sends adjuster candidates straight to the exam. A handful of applicants skip the exam entirely: licensed attorneys acting in their professional capacity and nonresident adjusters already licensed in good standing in their home state.
Also exempt from licensing altogether: fraud investigators who don't adjust losses, clerical support staff, and glass-claim processors.
The Adjuster Exam
PSI administers New Hampshire's insurance exams — it replaced Prometric on July 1, 2025, with in-person testing in Concord, Keene, Nashua, Newington, and Portsmouth plus remote proctoring from home.
The Adjuster Property & Casualty exam (Series 12-75) runs about 150 questions in 2 hours 30 minutes; the Workers' Compensation adjuster exam (Series 12-76) is a shorter 1-hour test. Your license class determines which content you face.
After passing, apply online through NIPR with the $75 license fee.
Passing Score
You need 70% to pass, with your result available at the test center or immediately after a remote session. Aim for a consistent 80% on practice exams before scheduling.
Reciprocity and Home-State Rules
New Hampshire is friendly to incoming nonresidents: hold a resident adjuster license in good standing in your home state and you can license in New Hampshire without retesting — just the application and fee.
One rule trips people up: New Hampshire cannot serve as a Designated Home State. If you live in a state that doesn't license adjusters, you'll need to designate a different licensing state (Texas and Florida are common choices) as your home state, then add New Hampshire as a nonresident license on top.
Keeping Your License Active
Important CE details: Includes at least 3 hours of ethics; adjusters with workers' compensation authority have additional WC-specific instruction requirements.
The New Hampshire adjuster license renews every 2 years, expiring on the last day of your birth month, and each period requires 24 hours of continuing education, including at least 3 hours of ethics. Adjusters holding workers' compensation authority complete additional WC-specific instruction.
Adjusting New Hampshire claims without an active license is no small thing here — it's a misdemeanor for individuals (a felony for business entities) with fines up to $2,500 per violation. Keep the CE current and confirm deadlines with NHID.
Quick Reference
Official Links
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