The process of becoming a licensed insurance adjuster and obtaining an Arkansas adjuster license is very straightforward and only involves four key steps:
- Taking a state-approved pre-licensing course
- Passing an Arkansas adjuster exam
- Completing a fingerprint and background check
- Submitting a licensing application to the Arkansas Department of Insurance
This article will walk you through the entire process of getting your Arkansas insurance adjuster license step-by-step.
Recommended: Interested in getting started? We recommend using AdjusterPro’s online study packages, which come with a 98% satisfaction rate.
How to Become an Insurance Adjuster in Arkansas
Getting your Arkansas adjuster license can be a simple and easy process, but this will ultimately depend on how you go about completing the required steps.
Step 1: Arkansas Insurance Adjuster License Application
In Arkansas, the first step to getting your insurance adjuster license is to apply for it.
Note: The fee for an online application is $20.
Apply online with the Arkansas Insurance Adjuster License Application. At the end of the application, fill up the background check form and pay the nonrefundable license fee of $24.
Be sure to email the receipts of the application and background check fee.
Step 2: Adjuster Pre-Exam Education
Preparing for your exam is not something to take lightly. This is because the average pass rate of insurance exams nationwide is around 55% for first-time test-takers and even less for any following attempts.
This means that it is generally recommended that you complete some form of education — such as purchasing a study guide or a state-approved online course — before sitting your exam.
These courses are composed of video, audio, and text and include short knowledge quizzes and practice exams, which will help you obtain the necessary understanding of the material that you will need to know for your exam.
Another benefit of purchasing an all-inclusive course is that it includes the Arkansas insurance adjuster exam, meaning that you will be qualified to apply for your resident license as soon as your course is complete.
Over 80% of our readers use AdjusterPro’s online courses — which come with a 98% satisfaction rate — when preparing for their insurance adjuster exam(s). For comprehensive study packages, StateRequirement recommends:
Step 3: Arkansas Insurance Adjuster License Exam
Once you have completed all of your coursework, you will be able to take (and hopefully pass) the Arkansas insurance adjuster license exam.
This is a proctored test, which means that you will be in a controlled environment with a person watching over you. It is, therefore, a good idea to work on both your timing and nerves prior to sitting for your exam.
In Arkansas, four distinct adjuster lines are available for you to take:
- The General Adjuster license exam — This consists of twenty-five (25) questions and you have one and a half hours (1:30:00) to complete it
- The Property Adjuster license exam — This consists of twenty-five (25) questions and you have one and a half hours (1:30:00) to complete it
- The Casualty Adjuster license exam — This consists of twenty-five (25) questions and you have one and a half hours (1:30:00) to complete it
- The Workers’ Compensation Adjuster license exam — This consists of twenty-five (25) questions and you have one and a half hours (1:30:00) to complete it
An outline of included subjects for these exams can be found here:
- PSI Arkansas General Adjuster Content Outline
- PSI Arkansas Property Adjuster Content Outline
- PSI Arkansas Casualty Adjuster Content Outline
- PSI Arkansas Workers’ Compensation Adjuster Content Outline
Each attempt at the exam costs $40 and will be paid when you make your reservation.
A total score of 70% or more is required to pass this test. For more information on the scoring of the exam, we will quote the PSI Arkansas Insurance Department Licensure Candidate Information Bulletin:
You must get 70% correct to pass the examination. Your score will be displayed on screen at the end of the examination and a score report will be emailed to you. If you fail, the emailed score report will include the diagnostic report indicating your strengths and weaknesses by examination type.
Candidates taking a remotely proctored exam: Please note that you must select to end both the exam portion and survey portion of your test in order to receive your on-screen results and emailed score report. If you do not receive your emailed score report, you may reach out to firstname.lastname@example.org.
You may request a duplicate score report after your examination by emailing email@example.com. Include your name, candidate ID number and confirmation number. Your candidate ID number and confirmation number is on your exam confirmation email. Please allow up to 72 hours to receive your duplicate score report.
StateRequirement recommends that you study for one exam at a time. This is because insurance adjuster exams are difficult enough on their own without the possibility of confusing information from one line to another. This will allow you to work incrementally towards completing your final exam.
Note: You can register to take your exams — as well as find out more information — on the PSI Arkansas Insurance page or by calling PSI at (833) 518-7458.
Step 4: Application Review
Once you have submitted your application and have completed all the other requirements, your Arkansas license application will be reviewed by the Arkansas Department of Insurance.
This process generally takes about forty-eight (48) hours. Depending on the results of your background check, the Department of Insurance may request more information or documentation.
After the review is complete, you will receive an email from the state regarding the status of your license.
You’ve done the work, put in the time and effort, and now hold the key to your own success! We’re proud of you. Take five minutes and celebrate.
What Kind of Insurance Adjuster Will You Be?
There are four main types of insurance adjusters: staff adjusters, independent adjusters, catastrophe adjusters, and public adjusters.
Each of these positions accomplishes essentially the same task: assess the damage to property brought about by some event and make an evaluation of what monetary value the insurance claim should carry.
The big difference between these different types of insurance adjusters is who pays them and, in the case of the public adjuster, who they are advocating for. Staff, independent, and catastrophe adjusters all require the same type of license, while a public adjuster license is a little different in its specifications.
- Staff Adjuster – Works directly for one insurance company in order to investigate, evaluate, and potentially settle claims
- Independent Adjuster – Works for a third-party company, often called an Independent Adjusting Firm, which has been contracted by insurance carriers to help settle their claims
- Catastrophe (CAT) Adjuster – Can be an independent or staff adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs claims adjuster services en masse
- Inside Adjuster – Inside adjusters, sometimes referred to as “desk” or “remote” adjusters, handle claims from an office. They are the policyholder’s main contact and the person who applies the policy terms and standards to the claim
- Public Adjuster – Is an independent insurance adjuster that customers choose to hire in order to settle insurance claims. Public adjusters are not hired by insurance companies
Note: In Arkansas, no public adjuster license is available.
Arkansas Insurance Department Contact Information
1200 West Third Street Little Rock
Phone: (501) 371-2750
Fax: (501) 683-2604
Arkansas Insurance Adjuster License FAQ
How do I become a licensed insurance adjuster in Arkansas?
To become a licensed insurance adjuster in Arkansas, you need to complete a pre-licensing education course, pass the Arkansas adjuster exam, and submit your application to the Arkansas Insurance Department. We walk you through the steps of this process in more detail in our article on How to Become an Insurance Adjuster.
How much does it cost to get your adjuster license in Arkansas?
In total, getting an adjuster license in Arkansas should cost around $465. However, this can vary greatly depending on the pre-licensing course you take and the number of exam attempts you need. For a look at some alternative licensing courses if you want to lower this fee, make sure to check out our Best Adjuster Licensing Courses article.
Does Arkansas require an adjuster’s license?
Yes, you will need an adjuster’s license in Arkansas to be able to legally handle insurance claims. This ensures that you have the minimum level of understanding required to adequately perform your duties.
For more information regarding a claim adjuster’s duties, check out our article: What Does an Insurance Adjuster Do.
How much does an independent adjuster get paid in Arkansas?
The pay for an independent adjuster in Arkansas can vary widely depending on the individual’s experience, their specialism (e.g., a catastrophe adjuster), and the number of claims they process. However, in general, independent adjusters in Arkansas will receive salaries between $44,043 and $54,016. To find out more about this, see our article on How Much Does an Insurance Adjuster Make.
Do I need to renew my adjuster license in Arkansas?
Yes, you need to renew your adjuster license in Arkansas. The state requires adjusters to complete continuing education courses approved by the state, including three hours in ethics, every two years. To read more about how to meet these continuing education requirements, be sure to see our Adjuster Continuing Education article.