PUERTO RICO Non-Resident Licensing for Individuals

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State Announcements

The Office of the Commissioner of Insurance of Puerto Rico (OCI) will be closing during relocation of the office to San Juan, Puerto Rico. The OCI will be temporarily closed on November 14, 2019 through November 29, 2019 and resume normal operations on Monday, December 2, 2019 at its new location. During this period application processing times will be delayed. Applications submitted during this time through NIPR will be issued or renewed by OCI with the original submitted date. 

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 Non-Resident License (NRL) 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 be at least eighteen (18) years old or older as determined from the applicant's date of birth.

Applicants that answer "No" to question, "Are you a US Citizen?" must send proof of legal work authority to the state.

Applicant must use Non-Resident Renewal (NRR) application until one (1) month past expiration date. Five (5) years after expiration, applicant must reapply as new.

Applicants with serious RIRS actions or 1033 actions applications will be deferred to the state for review.

Applicant applying for Variable Life and Variable Annuity must hold an active Life line of authority or be applying for Life simultaneously within the same license class.

Authorized Person may not be held simultaneously with any license type outside of Attorney-in-Fact.

Authorized Persons must be a Designated Responsible Licensed Producer (DRLP) of a business entity. Authorized Person must list only one (1) affiliation and more than one (1) affiliation is not permitted on the application.

Authorized Representative applicants must have an appointment with an insurer for this license to become valid. Please be sure to submit application for appointment once the license is approved and is displaying the Producer Database (PDB). If the license is not displaying the PDB, the appointment will be declined.

Independent Adjuster, Public Adjuster, Emergency Independent Adjuster, and Emergency Public Adjuster may not hold any other license type concurrently.

Surplus Lines Broker applicants must hold an active Insurance Producer or Authorized Representative and have $25,000.00 bond. Applications will be deferred to state for verification.

Applicants with a resident license in Guam are unable to apply electronically for Puerto Rico licenses. Please contact Puerto Rico directly to apply for a license or amend.

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.

State Offerings (Individual)

Important Definitions and License Requirements:

Insurance Producer - in selling, soliciting, and negotiating insurance, the producer shall not act as authorized representative of the insurer.

  • Insurance Producer cannot be appointed. If an Insurance Producer accepts appointments from an insurer, they have to change their license type to the Authorized Representative.
  • Insurance Producer business entity's designated responsible licensed producers must hold an Authorized Person license.
  • Exams and continuing education must be met in the applicant's resident state.

Authorized Representative - is a producer that subscribes a contract with an insurer to sell, solicit, and negotiate insurance on his behalf and can be as employee or as independent contractor as

  • Authorized Representative cannot be affiliated to a business entity.
  • Applicant must have an active appointment with at least one insurer for the license to be active.
  • Authorized Representative business entity's designated response licensed producers must hold an Authorized Person license.
  • Exams and continuing education must be met in the applicant's resident state.

Authorized Person – is a designated responsible licensed producer. When a business entity obtains an Insurance Producer or Authorized Representative license, all the individuals affiliated to it will be listed as Authorized Persons.

  • Authorized Person must list only one affiliation to a business entity.
  • More than one affiliation is not permitted.
  • Applicant cannot be a business entity.
  • Authorized Person must apply for lines of authority the business entity holds. Applicant does not need to hold the same license type as the business entity. At least one Authorized Person listed as the designated responsible licensed producer (DRLP) must hold ALL lines of authority as the business.
  • At least one Authorized Person listed as the DRLP must also be listed as an owner, partner, officer, or director on the application.
  • At least one DRLP that holds all lines must also be an owner, partner, officer, or director.
  • Exams and continuing education must be met in the applicant's resident state.

License Class

Line of Authority (LOA)

Authorized Person
Authorized Representative
Insurance Producer

Casualty
Disability
Fraternal Life*
Health Services
Life
Property
Title*
Variable Life and Variable Annuity

Authorized Person
Authorized Representative
Insurance Producer
Reinsurance Intermediary Producer
Reinsurance Intermediary Manager

Reinsurance*

Authorized Person
Emergency Independent Adjuster
Emergency Public Adjuster
Viatical Settlements Broker
Viatical Settlements Investment Agent

Viatical Settlements*

Authorized Person
Independent Adjuster
Public Adjuster

Automobile & Accidents*
Marine, Transportation, Fire and Allied Lines*

Authorized Person

Limited Life*
Surplus Lines*

Surplus Lines Broker

None

* 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

Fee *

Reinstatement Fee *

Amendment Fee *

Insurance Producer

$1,682.00

$1,682.00

$0.00

Authorized Person

$0.00
Fee is paid by affiliated business entity.

$0.00
Fee is paid by affiliated business entity.

$0.00

Authorized Representative

$1,682.00

$1,682.00

$0.00

Surplus Lines Broker

$1,050.00

$1,050.00

$0.00

Reinsurance Intermediary Manager

$1,662.00

$1,662.00

$0.00

Reinsurance Intermediary Producer

$1,662.00

$1,662.00

$0.00

Viatical Settlements Broker

$1,682.00

$1,682.00

$0.00

Viatical Settlements Investments Agent

$1,682.00

$1,682.00

$0.00

* Per application.

Contacts

Last Update: 5/17/2019

PUERTO RICO Non-Resident Licensing for Business Entities

APPLY HERE

State Announcements

The Office of the Commissioner of Insurance of Puerto Rico (OCI) will be closing during relocation of the office to San Juan, Puerto Rico. The OCI will be temporarily closed on November 14, 2019 through November 29, 2019 and resume normal operations on Monday, December 2, 2019 at its new location. During this period application processing times will be delayed. Applications submitted during this time through NIPR will be issued or renewed by OCI with the original submitted date. 

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 Non-Resident License (NRL) 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)

Business entities must be registered with the Secretary of State prior to becoming licensed in Puerto Rico. Applications will be deferred to the state for verification.

Applicants with serious RIRS actions applications will be deferred to the state for review.

Independent Adjuster, Public Adjuster, Emergency Independent Adjuster, and Emergency Public Adjuster may not hold any other license type concurrently.

Applicants with a resident license in Guam are unable to apply electronically for Puerto Rico licenses. Please contact Puerto Rico directly to apply for a license or amend.

Variable Life and Variable Annuity applicants must hold active Life line of authority within the same class or being applying for Life at the same time.

Viatical Settlements Investment Agent applicants must hold active Authorized Representative license with Life and Variable Life and Variable Annuity lines of authority, to apply and must provide one (1) Designated Responsible Licensed Producer (DRLP) with an active Authorized Person license and Life line of authority.

Designated Responsible Licensed Producers (DRLP) provided in the application for any license type must hold an active Authorized Person license in Puerto Rico. At least one (1) DRLP must hold all lines of authority requested in the business entity application.  Surplus Lines Broker, General Agent, and Viatical Settlements Broker licenses are excluded from this rule. At least one (1) DRLP, that holds all lines requested, is required to be listed as a director, officer, partner, or owner.

Business entity amendments will be reviewed by Puerto Rico. Please note that although fees for business entity amendments are collected by Puerto Rico and not NIPR, there will be a NIPR fee assessed for your electronic transaction. The application will be pending until Puerto Rico has received all fees. Please contact the state with any questions.


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.

 

Adjuster Licensing Information (Business Entity)

Important Note: Applicants must list at least one Designated Responsible Licensed Producer (DRLP) that holds an Authorized Person license with the same lines of authority as the business entity applying for.

Business entities must be registered with the Secretary of State prior to becoming licensed in Puerto Rico. Applicant can register at https://prcorpfiling.f1hst.com/. All applications will be deferred to Puerto Rico for verification and will not be processed until this is complete.

Please review the requirements below.

Public Adjusters:

  • Must not hold any other license type with Public Adjuster license.
  • Fee will be charged per DRLP listed on the application.
  • Are required to submit a $10,000.00 bond per Authorized Person acting on behalf of the business and listed as a DRLP on the application. The bond must be in favor of the Commonwealth of Puerto Rico and sent to the Office of the Commissioner of Insurance of Puerto Rico. A copy can be submitted after application is completed to cumplimiento@ocs.pr.gov in order to process the license but original bond is required for it to become valid. Bond must be notarized. If notary is outside of Puerto Rico, a copy of the Notary's certificate from the Secretary of State must be provided with bond.

Emergency Public Adjusters:

  • Must not hold any other license type with Emergency Public Adjuster license.
  • Are required to submit a $10,000.00 bond per Authorized Person acting on behalf of the business and listed as a DRLP on the application. The bond must be in favor of the Commonwealth of Puerto Rico and sent to the Office of the Commissioner of Insurance of Puerto Rico. A copy can be submitted after application is completed to cumplimiento@ocs.pr.gov in order to process the license but original bond is required for it to become valid. Bond must be notarized. If notary is outside of Puerto Rico, a copy of the Notary's certificate from the Secretary of State must be provided with bond.
  • Submit a copy of professional licenses, if applicable. Professional licenses may include, but not limited to real estate, attorney, accountant, etc.
  • Must submit required documentation by email to cumplimiento@ocs.pr.gov within 15 days of submitting application. If documentation is not received within the 15-day period, the license will be revoked. Applicant will need to reapply and resubmit license fee.
  • License will be issued for 6 months and will not be renewable. Some exceptions may be made if requested in person or in writing directly to the Office of the Commissioner of Insurance of Puerto Rico.

Independent Adjuster:

  • Must not hold any other license type with Independent Adjuster license.
  • Fee will be charged per DRLP listed on the application.

Emergency Independent Adjuster:

  • Must not hold any other license type with Emergency Independent Adjuster license.
  • Submit a copy of professional licenses, if applicable. Professional licenses may include, but not limited to real estate, attorney, accountant, etc.
  • Must submit required documentation by email to cumplimiento@ocs.pr.gov within 15 days of submitting application. If documentation is not received within the 15-day period, the license will be revoked. Applicant will need to reapply and resubmit license fee.
  • License will be issued for 6 months and will not be renewable. Some exceptions may be made if requested in person or in writing directly to the Office of the Commissioner of Insurance of Puerto Rico.
    For more information and requirements regarding Emergency Public and Emergency Independent Adjuster licensing please review Normative Letter Num. CN-2017-223-D from the Commissioner of Insurance of Puerto Rico.

State Offerings (Business Entity)

License Class

Line of Authority (LOA)

DRLP Required

Authorized Representative
Insurance Producer

Casualty
Disability
Health Services
Fraternal Life*
Life
Property
Reinsurance*
Title*
Variable Life and Variable Annuity

Yes

Emergency Independent Adjuster
Emergency Public Adjuster
Independent Adjuster
Public Adjuster

Automobile & Accidents*
Marine, Transportation, Fire & Allied Lines*

Yes

Limited Life

Limited Life*

Yes

Reinsurance Intermediary Manager
Reinsurance Intermediary Producer

Reinsurance*

Yes

Surplus Lines Broker

None

Yes

Viatical Settlements Broker
Viatical Settlements Investment Agent

Viatical Settlements*

Yes

* 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

Fee *

Reinstatement Fee *

Amendment Fee *

Insurance Producer

$1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP

$1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP

$0.00

Authorized Representative

$1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP

$1,682.00 for 1-3 DRLPs
$1682.00 for each additional DRLP

$0.00

Independent Adjuster

$420.00 per DRLP

$420.00 per DRLP

$0.00

Public Adjuster

$420.00 per DRLP

$420.00 per DRLP

$0.00

Reinsurance Intermediary Manager

$1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP

$1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP

$0.00

Reinsurance Intermediary Producer

$1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP

$1,662.00 for 1-3 DRLPs
$1,662.00 for each additional DRLP

$0.00

Surplus Lines Broker

$1,050.00 for 1-3 DRLPs
$1,050.00 for each additional DRLP

$1,050.00 for 1-3 DRLPs
$1,050.00 for each additional DRLP

$0.00

Viatical Settlements Broker

$1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP

$1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP

$0.00

Viatical Settlements Investments Agent

$1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP

$1,682.00 for 1-3 DRLPs
$1,682.00 for each additional DRLP

$0.00

* Per application.

Contacts

Last Update:5/17/2019

APPLY HERE