Licence rules by country
Public Adjusters Directory has 6 guides on licensed public adjusters and loss assessors who act for policyholders, grouped by country.
Australia
- Public adjusters in Australia: how the rules work
In Australia, a business that represents insured people on a general insurance claim for a benefit is a claimant intermediary and needs an AFS licence.
Canada
- Public adjusters in Canada: how the rules work
In Canada, each province licenses adjusters. Ontario, BC, Alberta and Quebec all require a licence or certificate for adjusters who act for you.
Germany
- Public adjusters in Germany: how the rules work
In Germany, a Versicherungsberater (insurance adviser) can represent you against your insurer. They need an IHK permit and are paid only by you.
Ireland
- Public adjusters in Ireland: how the rules work
In Ireland, loss assessors act for policyholders. Insurance intermediaries must register with the Central Bank, and you pay the assessor's fee.
United Kingdom
- Public adjusters in the United Kingdom: how the rules work
In the UK, loss assessors act for policyholders. The FCA says their claim work is likely a regulated activity in many cases.
United States
- Public adjusters in the United States: how the rules work
In the US, each state decides if public adjusters need a licence. Texas requires one, caps fees at 10%, and Alabama does not license them.