What is a company adjuster and what type of license do they need?

A company adjuster is typically an employee of an insurance company who is responsible for assessing claims on behalf of the insurer. Their primary role involves investigating claims, determining the extent of the insurance company's liability, and ensuring that claims are managed effectively and efficiently.

In many jurisdictions, including Utah, company adjusters are considered employees of the insurer and are generally not required to have a specific licensing designation to perform their duties. This is because their role is essentially an internal function of the company managing its own claims. They operate under the authority and regulatory framework that governs the insurance company itself, rather than as independent entities that might require personal licensure.

For example, independent adjusters or public adjusters, who represent the interests of the policyholder or third-party interests, are often required to hold a state license to practice, as they operate outside of the insurance company’s direct oversight. In contrast, company adjusters are embedded in the claims process as direct employees and follow the company guidelines and protocols without needing a separate license.