# 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](https://publicadjusters.fyi/guides/au-australia.md): 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](https://publicadjusters.fyi/guides/ca-canada.md): 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](https://publicadjusters.fyi/guides/de-germany.md): 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](https://publicadjusters.fyi/guides/ie-ireland.md): 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](https://publicadjusters.fyi/guides/gb-united-kingdom.md): 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](https://publicadjusters.fyi/guides/us-united-states.md): 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.