RHODE ISLAND Resident Licensing for Individuals

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State Announcements

There are no announcements for Rhode Island at this time.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Individual)

Applicant must pass the required state exam for the selected lines for new license or amended license.

Applicant is exempt from license exam if the Inactive status of previous resident license is within 90 days from date of the Rhode Island RL application or if the resident RI license and requested LOA they are applying for is inactive within the past year.

Claims Adjuster license is being transitioned to specific license types: Company Adjuster, Independent Adjuster, and Public Adjuster.

Claims Adjuster applicants (active or inactive) must reinstate through Resident Licensing (RL) to obtain one of the new license classes upon renewal.

The following applicants must provide a certified background (BCI) check from the Attorney General's office: Company Adjuster, Public Adjuster, Independent Adjuster, Insurance Producers, Title, Motor Vehicle Damage Appraiser, Surplus Line Broker.

If applicant holds an active Claims Adjuster license on PDB, an exam is not required to apply for one of the new Public, Independent and Company Adjuster license classes.

Public, Independent, and Company Adjuster licenses cannot be held simultaneously.

Emergency Adjusters are not a renewable license class. The day after expiration date, applicant is eligible to apply for a new license via RL.

Emergency Adjuster license cannot be held simultaneously with Public, Independent, or Company Adjuster licenses in Rhode Island.

Applicants that currently hold a Public Adjuster license cannot apply for or hold an Emergency Adjuster license in Rhode Island.

Surplus Line Broker applicants must hold a Property & Casualty Insurance Producer license. They must also obtain a bond in the amount of $25,000 and email bond certificate to the Rhode Island Department of Business Regulation. 

Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

Non-citizens of the U.S. must e-mail proof of eligibility to work in the U.S to the Rhode Island Department of Business Regulation.

Electronic applications will only be issued for a two (2) year license term.

Applicants must not have an active non-resident license in Rhode Island.

Applicant must provide a valid business email address.

Rhode Island will allow reinstatements of a license if:

  • Status is not active with an expired status reason.
  • Expiration date is greater than thirty (30) days and less than three hundred and sixty-five (365) days.
  • Reinstatement must be processed through Resident License Renewal (RLR) Application.

Applicants for the variable line of authority (LOA) must supply FINRA CRD number on application.

Applicants for motor vehicle damage appraiser licensing must take and pass the Rhode Island Appraiser exam. Visit the state website for information regarding PearsonVue testing services.

Applicants that apply for reinsurance intermediary broker and reinsurance intermediary manager must select both single lines of casualty and property, or both single lines of life and accident and health or sickness.

All resident insurance producers that are selling, soliciting or negotiating insurance are required to carry and maintain E&O insurance, pursuant to Rhode Island Gen Laws § 27-2.4-23. 

Rhode Island only allows amendments to a license if license is active and not expired.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.

Definitions of Adjusters:

  • Company Adjuster - An insurance adjuster who is an employee of an insurance company.

  • Independent Adjuster - An insurance adjuster who is hired on a contract basis by an insurance company to represent the insurance company's interest in the settlement of the claim.

  • Public Adjuster - Any person who, for compensation or any other thing of value on behalf of the insured:

    1. Acts or aids, solely in relation to first party claims arising under insurance contracts, other than automobile, life, accident & health, that insure the real or personal property of the insured, on behalf of an insured in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract;

    2. Advertises for employment as an public adjuster of insurance claims or solicits business or represents himself or herself to the public as an public adjuster of first party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or

    3. Directly or indirectly solicits business, investigates or adjusts losses, or advises an insured about first party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy, for the insured.

State Offerings (Individual)

Please note that license class names can vary by state.

License Class Line of Authority (LOA) Exam Required
Insurance Producer Life Y
Insurance Producer Accident & Health or Sickness Y
Insurance Producer Property Y
Insurance Producer Casualty Y
Insurance Producer Personal Lines Y
Insurance Producer Variable Annuities / Variable Life N
Insurance Producer Credit Products N
Insurance Producer Other Limited Line (Travel) N
Insurance Producer Other Limited Line (Car Rental) N
Insurance Producer Other Limited Line (Surety) N
Insurance Producer Other Limited Line (Crop) N
Insurance Producer Life Settlement Broker N
Insurance Producer Pet N
Surplus Lines Broker None N
Motor Vehicle Damage Appraiser None Y
Title Title N
Reinsurance Intermediary Broker Property N
Reinsurance Intermediary Broker Casualty N
Reinsurance Intermediary Broker Life N
Reinsurance Intermediary Broker Accident & Health or Sickness N
Reinsurance Intermediary Manager Property N
Reinsurance Intermediary Manager Casualty N
Reinsurance Intermediary Manager Life N
Reinsurance Intermediary Manager Accident & Health or Sickness N
Company Adjuster Workers' Compensation Y
Company Adjuster Property/Casualty Y
Company Adjuster Crop N
Independent Adjuster Workers' Compensation Y
Independent Adjuster Property/Casualty Y
Independent Adjuster Crop N
Public Adjuster NONE Y
Emergency Adjuster NONE N

* Applications for Other lines of authority will defer to state for approval.

License Fees (Individual)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination License Fee * Reinstatement Fee *
(license that has been inactive for >1year)
Insurance Producer / All LOAs $120.00 $120.00
Insurance Producer / Line Addition/Amend Fee $50.00 N/A
Surplus Lines Broker / None $100.00 $100.00
Motor Vehicle Damage Appraiser / None $150.00 $150.00
Title / Title $120.00 $120.00
Reinsurance Intermediary Broker / All LOAs $200.00 $200.00
Reinsurance Intermediary Broker / Line Addition/Amend Fee $50.00 N/A
Reinsurance Intermediary Manager / All LOAs $200.00 $200.00
Reinsurance Intermediary Manager / Line Addition/Amend Fee $50.00 N/A
Company Adjuster/All LOA's $150.00 $150.00*
Independent Adjuster/All LOA's $150.00 $150.00*
Public Adjuster/NONE $150.00 $150.00*
Emergency Adjuster/NONE $0.00 N/A

* Per application.
* Company, Public, and Independent Adjusters with an Inactive Claim Adjuster License - 31 days - one year after license expired pay an additional $50 reinstatement fee for a total $200.00 reinstatement.
* Company, Public, and Independent Adjusters that are war veterans pay $0 license fee; only $50 reinstatement fee 31 days - one year after license expiration.

Contacts

Last Update: 12/12/2016

RHODE ISLAND Resident Licensing for Business Entities

APPLY HERE

State Announcements

There are no announcements for Rhode Island at this time.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Business Entity)

Claims Adjuster license is being transitioned to specific license types: Company Adjuster, Independent Adjuster, and Public Adjuster.

Claims Adjuster applicants (active or inactive) must reinstate thru the Resident Licensing (RL) application to obtain one of the new license classes upon renewal.

Company Adjuster, Public Adjuster and Independent Adjuster applicants with an inactive Claims Adjuster license 31 day to one year past expiration must pay a reinstatement fee of $50.00.

Surplus Line Broker applicants must already have an active Insurance Producer's license with active Property and Casualty Lines of Authority.

Electronic applications will only be issued for a two (2) year license term.

Public, Independent, and Company Adjuster licenses cannot be held simultaneously.

Applicant must provide a valid business email address.

Business entities must provide a business address in the state.

Rhode Island will allow reinstatements of a license if:

  • Status is not active with an expired status reason.
  • Expiration date is greater than thirty (30) days and less than three hundred and sixty-five (365) days.
  • Reinstatement must be processed through Resident License Renewal (RLR) Application.

At least one (1) Designated Responsible Licensed Producer (DRLP) must be provided on the application and have an active resident or non-resident license in Rhode Island.

DRLP not required for Third Party Administrator Certificate of Authority, Third Party Administrator Registered or Third Party Administrator Waiver Certificate license classes.

DRLPs are not required to cumulatively cover the lines of authority (LOAs) on the business application.

Surplus Line Broker applicants must hold a Property & Casualty Insurance Producer license. They must also obtain a bond in the amount of $25,000 and email bond certificate to the Rhode Island Department of Business Regulation. 

Applicants that apply for reinsurance intermediary broker and reinsurance intermediary manager must select both single lines of casualty and property; or both single lines of life and accident and health or sickness.

All applications for the Third Party Administrator Certificate of Authority, Third Party Administrator Registered, and Third Party Administrator Waiver Certificate must provide annual report form and annual filing fee to Rhode Island Department of Business Regulation, Insurance Division. 

Third Party Administrator Certificate of Authority and Third Party Administrator Registered licenses cannot be applied for or held simultaneously.

Third Party Administrator Waiver Certificate and Third Party Administrator Registered licenses cannot be applied for or held simultaneously.

Rhode Island only allows amendments to a license if license is active and not expired.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.

Definitions of Adjusters:

  • Company Adjuster - An insurance adjuster who is an employee of an insurance company.

  • Independent Adjuster - An insurance adjuster who is hired on a contract basis by an insurance company to represent the insurance company's interest in the settlement of the claim.

  • Public Adjuster - Any person who, for compensation or any other thing of value on behalf of the insured:

    1. Acts or aids, solely in relation to first party claims arising under insurance contracts, other than automobile, life, accident & health, that insure the real or personal property of the insured, on behalf of an insured in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract;

    2. Advertises for employment as an public adjuster of insurance claims or solicits business or represents himself or herself to the public as an public adjuster of first party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or

    3. Directly or indirectly solicits business, investigates or adjusts losses, or advises an insured about first party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy, for the insured.

State Offerings (Business Entity)

License Class Line of Authority (LOA) DRLP Required
Insurance Producer Life Yes
Insurance Producer Accident & Health or Sickness Yes
Insurance Producer Property Yes
Insurance Producer Casualty Yes
Insurance Producer Personal Lines Yes
Insurance Producer Variable Annuities / Variable Life Yes
Insurance Producer Credit Products (Limited Line) Yes
Insurance Producer Other Limited Line (Travel) Yes
Insurance Producer Other Limited Line (Car Rental) Yes
Insurance Producer Other Limited Line (Surety) Yes
Insurance Producer Other Limited Line (Crop) Yes
Insurance Producer Pet Yes
Insurance Producer Life Settlement Broker Yes
Insurance Producer Managing General Agent Yes
Surplus Lines Broker None Yes
Motor Vehicle Damage Appraiser None Yes
Title Title Yes
Reinsurance Intermediary Broker Property Yes
Reinsurance Intermediary Broker Casualty Yes
Reinsurance Intermediary Broker Life Yes
Reinsurance Intermediary Broker Accident & Health or Sickness Yes
Reinsurance Intermediary Manager Property Yes
Reinsurance Intermediary Manager Casualty Yes
Reinsurance Intermediary Manager Life Yes
Reinsurance Intermediary Manager Accident & Health or Sickness Yes
Company Adjuster Workers' Compensation Yes
Company Adjuster Property/Casualty Yes
Company Adjuster Crop Yes
Independent Adjuster Workers' Compensation Yes
Independent Adjuster Property/Casualty Yes
Independent Adjuster Crop Yes
Public Adjuster NONE Yes
Third Party Administrator Certificate of Authority NONE No
Third Party Administrator Registered NONE No
Third Party Administrator Waiver Certificate NONE No

* Applications for Other lines of authority will defer to state for approval.

License Fees (Business Entity)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination Fee * Reapplication Fee *
Insurance Producer / All LOAs $120.00 $120.00
Insurance Producer / Line Addition/Amend Fee $50.00 N/A
Surplus Lines Broker / None $100.00 $100.00
Motor Vehicle Damage Appraiser / None $150.00 $150.00
Title / Title $120.00 $120.00
Reinsurance Intermediary Broker / All LOAs $200.00 $200.00
Reinsurance Intermediary Broker / Line Addition/Amend Fee $50.00 N/A
Reinsurance Intermediary Manager / All LOAs $200.00 $200.00
Reinsurance Intermediary Manager / Line Addition/Amend Fee $50.00 N/A
Company Adjuster/All LOA's $150.00 $150.00*
Independent Adjuster/All LOA's $150.00 $150.00*
Company and Independent Adjuster Amendment Fee / All LOAs $50.00 N/A
Public Adjuster/NONE $150.00 $150.00*
Third Party Administrator Certificate of Authority / None $250.00 $250.00
Third Party Administrator Registered / None $0.00 $0.00
Third Party Administrator Waiver Certificate / None $250.00 $250.00

* Per application.
* Company, Public, and Independent Adjusters with an Inactive Claim Adjuster License - 31 days - one year after license expired pay an additional $50 reinstatement fee for a total $200.00 reinstatement.

Contacts

Last Update: 12/12/2016

APPLY HERE