RHODE ISLAND Resident License Renewal 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 renewals for individuals electronically.
Yes Accepts renewals for major lines of authority.
Yes Accepts renewals for limited lines of authority.
Yes Accepts renewals for surplus lines for individuals.
Yes Applicant can late renew through NIPR's Resident License Renewal (RLR) Application.
No Partial renewals allowed.
Yes License printing available electronically.

License Printing

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

Renewal Period (Individual)

License Class Renewal Period Late Renewal Period Reinstatement Period
All License Classes Ninety (90) days prior to expiration date – Up to Expiration Date Thirty (30) days after expiration. *30 day grace period for expired licenses. Allows renewal with no additional fee. Thirty one (31) days to one year after license expired

Business Rules (Individual)

Insurance Producers with select lines of authority must be CE compliant.  You may select your resident state name from the map on the following link: /map_continuing_education_requirements.htm to view your CE transcript and determine whether the state has updated your status to compliant in their system and on what date.  It generally takes up to 48 hours from the compliance date for the status to be updated in our system. CE is not required for All Adjusters, Motor Vehicle Damage Appraisers, Surplus Line Brokers, Title Insurance, Reinsurance Intermediary Broker and Reinsurance Intermediary Manager Licenses.

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

Claim Adjuster licensees (active or inactive) will not be able to renew their license through the Resident Licensing Renewal (RLR) application.  They will be required to apply through the Resident Licensing (RL) application.  The applicant must select one of the following adjuster license classes: Company Adjuster, Public Adjuster, or Independent Adjuster.

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 renewals will not be approved until the Insurance Division receives clearance from the taxation division that all taxes have been filed.  The Rhode Island Taxation Division will provide confirmation to the Insurance Division.

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 have a resident license for selling insurance in one of the fifty (50) U.S. states.

Rhode Island will allow reinstatements of a license if:

  • Status is inactive 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 Renewal (RLR) Application.

Applicant must hold an active renewable license in Rhode Island.

Applicants must have an active producer license in their own resident state.

License is eligible for renewal starting 90 days prior to expiration date on PDB.

Applicant is allowed a grace period of 30 days after the expiration date to renew the license with no additional fees. 

Partial renewals are not allowed. Electronic renewals must be renewed for all active lines held.

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) CE 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 Annuity & Variable Life Y
Insurance Producer Credit Products Y
Insurance Producer Other Limited Line (Travel) Y
Insurance Producer Other Limited Line (Car Rental) Y
Insurance Producer Other Limited Line (Surety) Y
Insurance Producer Other Limited Line (Crop) Y
Insurance Producer Life Settlement Broker Y
Insurance Producer Pet Y
Surplus Lines Broker None N
Motor Vehicle Damage Appraiser None N
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 N
Company Adjuster Property/Casualty N
Company Adjuster Crop N
Independent Adjuster Workers' Compensation N
Independent Adjuster Property/Casualty N
Independent Adjuster Crop N
Public Adjuster NONE N

Renewal Fees (Individual)

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

License Class / LOA Combination License Renewal  Fee *
(Up to 30 days after license expiration)
License Late Renewal Fee *
(31 days to One Year after license expiration)
Insurance Producer / All LOAs $120.00 $170.00 ($120 license fee + $50 reinstatement fee)
Surplus Lines Broker / None $100.00 $150.00 ($100 license fee + $50 reinstatement fee)
Motor Vehicle Damage Appraiser / None $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Title / Title $120.00 $170.00 ($120 license fee + $50 reinstatement fee)
Reinsurance Intermediary Broker / All LOAs $200.00 $250.00 ($200 license fee + $50 reinstatement fee)
Reinsurance Intermediary Manager / All LOAs $200.00 $250.00 ($200 license fee + $50 reinstatement fee)
Company Adjuster/ All LOAs $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Independent Adjuster/ All LOAs $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Public Adjuster/NONE $150.00 $200.00 ($150 license fee + $50 reinstatement fee)

* Per application.

Contacts

Last Update: 11/07/2017

RHODE ISLAND Resident License Renewal for Business Entities

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State Announcements

There are no announcements for Rhode Island at this time.

Primary Rules (Business Entity)

Response Question
Yes Accepts renewals for business entities electronically.
Yes Accepts renewals for major lines of authority.
Yes Accepts renewals for limited lines of authority.
Yes Accepts renewals for surplus lines for business entities.
Yes Applicant can late renew through NIPR's Resident License Renewal (RLR) Application.
No Partial renewals allowed.
Yes License printing available electronically.

License Printing

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

Renewal Period (Business Entity)

License Class Renewal Period Late Renewal Period Reinstatement Period
All License Classes (Excluding Third Party Administrator Certificate of Authority, Third Party Administrator Registered, Third Party Administrator Waiver Certificate) Sixty (90) days prior to expiration date – Up to Expiration Date Thirty (30) days after expiration. *30 day grace period for expired licenses. Allows renewal with no additional fee. Thirty one (31) days to one year after license expired
Third Party Administrator Certificate of Authority Ninety (90) days prior to expiration date – Up to Expiration Date Expire annually on the last day of February Thirty one (31) days to one year after license expired
Third Party Administrator Registered Ninety (90) days prior to expiration date – Up to Expiration Date Expire annually on the last day of February Thirty one (31) days to one year after license expired
Third Party Administrator Waiver Certificate Ninety (90) days prior to expiration date – Up to Expiration Date Expire annually on the last day of February Thirty one (31) days to one year after license expired

Business Rules (Business Entity)

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

Claim Adjuster applicants (active or inactive) will not be able to renew their license through the Resident Licensing Renewal (RLR) application. They will be required to apply through the Resident Licensing (RL) application. The applicant must select one of the following adjuster license classes: Company Adjuster, Public Adjuster, or Independent Adjuster.

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

Applicant must hold an active renewable license in Rhode Island.

Applicants must have an active producer license in their own resident state.

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.

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

The following license classes expire annually on the last day of February: Third Party Administrator Certificate of Authority, Third Party Administrator Registered and Third Party Administrator Waiver Certificate licenses expired annually on the last day of February.

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

Surplus Line Broker renewals will not be approved until the Insurance Division receives clearance from the taxation division that all taxes have been filed.  The Rhode Island Taxation Division will provide confirmation to the Insurance Division.

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 Renewal (RLR) Application.

License is eligible for renewal starting 90 days prior to expiration date on PDB.

Applicant is allowed a grace period of 30 days after the expiration date to renew the license with no additional fees. 

Partial renewals are not allowed. Electronic renewals must be renewed for all active lines held.

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 Life & Variable Annuity Yes
Insurance Producer Credit Products 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
Portable Electronics Broker NONE No
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

Renewal Fees (Business Entity)

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

License Class / LOA Combination License Renewal  Fee *
(Up to 30 days after license expiration)
License Late Renewal Fee *
(31 days to One Year after license expiration)
Insurance Producer / All LOAs $120.00 $170.00 ($120 license fee + $50 reinstatement fee)
Surplus Lines Broker / None $100.00 $150.00 ($100 license fee + $50 reinstatement fee)
Motor Vehicle Damage Appraiser / None $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Title / Title $120.00 $170.00 ($120 license fee + $50 reinstatement fee)
Reinsurance Intermediary Broker / All LOAs $200.00 $250.00 ($200 license fee + $50 reinstatement fee)
Reinsurance Intermediary Manager / All LOAs $200.00 $250.00 ($200 license fee + $50 reinstatement fee)
Company Adjuster/ All LOAs $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Independent Adjuster/ All LOAs $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Portable Electronics Broker $200.00 $250.00 ($200 license fee + $50 reinstatement fee)
Public Adjuster/NONE $150.00 $200.00 ($150 license fee + $50 reinstatement fee)
Third Party Administrator Certificate of Authority $250.00 $300.00 ($250 license fee + $50 reinstatement fee)
Third Party Administrator Registered $0.00 $0.00 ($0 license fee + $0 reinstatement fee)
Third Party Administrator Waiver Certificate $250.00 $300.00 ($250 license fee + $50 reinstatement fee)

* Per application.

Contacts

Last Update: 11/07/2017

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