Minnesota licenses public adjusters under Minnesota Statutes chapter 72B, through the Department of Commerce — and Minnesota publishes no separate public adjuster examination. Public adjuster candidates sit PSI’s Property & Casualty Adjuster examination, the adjuster examination the bulletin assigns to the property and casualty line: one hour, a $25 fee, with 70% correct required to pass and no pre-licensing education requirement for adjusters. PassProfessor’s Minnesota program is in the works for that examination and that license.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Minnesota is the state in this family where the first licensing fact is a correction. Candidates search for a Minnesota public adjuster exam, and vendors will happily sell them preparation for one — but PSI’s Minnesota Candidate Information Bulletin, the document the Department of Commerce contracts under, lists no public adjuster examination. It lists three adjuster examinations, and the public adjuster’s license is gated by one of them: the Property & Casualty Adjuster examination, because Minnesota tests adjusters by line of authority under 72B.041. PassProfessor’s Minnesota Public Adjuster program is in the works as part of the expanding PassProfessor catalog, built honestly on that shared examination and on the public adjuster license — chapter 72B’s own class — that stands behind it.
Which license is this?
This page covers the Minnesota Public Adjuster license issued by the Department of Commerce under chapter 72B, and the examination route that actually leads to it. Two clarifications govern everything else on the page. First, the license is distinct even though the examination is shared: 72B.03 creates independent adjuster, public adjuster, and crop hail adjuster as separate license classes, with different clients and different practice rules, and the public adjuster’s defining rule is representation of the insured. Second, this program is not Minnesota producer preparation: producers face a 20-hour pre-licensing education requirement and different examinations, and adjusters face neither the hours nor those tests. A candidate who prepares as a producer will be over-schooled in the wrong subjects and unexamined in the right one.
What will the program cover?
Practice in the examination’s own shape. The Minnesota Property & Casualty Adjuster examination (the adjuster examination for the public adjuster license) is a computer-based, multiple-choice examination, and the program in the works practises in that shape throughout: timed sets at the examination’s pace, single-best-answer items, and section sets matched to the published outline’s weights. Candidates should arrive having already made their pacing mistakes in practice.
Written from the primary sources. The program is written from the outline PSI publishes and the adjuster law the Department of Commerce administers — the same documents the examination is built from. Where this state’s rules differ from the national pattern, and on Minnesota insurance law under chapter 72B and chapter 60K, tested inside the shared adjuster examination they do, the program teaches this state’s rule and names the difference, rather than teaching a national average.
The whole candidate, not only the test-taker. Around the item practice, the program carries the licensing route as the Department of Commerce publishes it — eligibility, the examination, and the fingerprinting and a $10,000 surety bond in the Sircon application the Department decides that complete the application — because a licensing examination is a means to a license, and candidates plan better when the destination is mapped.
Preparation only, with the boundary kept clear. This is preparation for an examination administered by PSI Services LLC for the Minnesota Department of Commerce. PassProfessor is not affiliated with either body, no completion of this program is reported to the Department of Commerce, and nothing in the program substitutes for any step in the licensing process.
Because the examination is shared, the program’s work is double: master the Property & Casualty Adjuster examination PSI publishes — its property and casualty concepts, coverages, adjuster duties, and Minnesota law — and then master the public-adjuster layer the shared examination cannot test by itself: chapter 72B’s public adjuster provisions, including the bond, the contract and disclosure duties, and the cancellation right Minnesota gives the client. The first body of material earns the pass; the second makes the licensee. The program teaches them in that order and does not pretend they are the same syllabus.
What are the verified facts of the license?
| Fact of record | Detail |
|---|---|
| License | Public Adjuster — one of the three adjuster classes Minnesota Statutes 72B.03 creates (independent adjuster, public adjuster, crop hail adjuster) |
| Regulator | Minnesota Department of Commerce |
| Examination — read this first | Minnesota publishes NO separate public adjuster examination. The PSI Candidate Information Bulletin lists the adjuster examinations as Property & Casualty Adjuster, Crop Adjuster, and Workers Compensation Adjuster. Public adjuster candidates in the property and casualty line sit the Property & Casualty Adjuster examination, because 72B.041 tests by line of authority |
| Vendor and format | PSI Services LLC; computer-based at PSI centres or remotely proctored; Property & Casualty Adjuster examination time allowed: 1 hour |
| Examination fee | $25 per attempt (third-party fee, paid to PSI, per the PSI Minnesota bulletin) |
| Passing standard | 70% correct — ‘You will need 70% correct to pass the exam’ (PSI Minnesota Candidate Information Bulletin, Score Reporting) |
| Scored question count | Not published in the PSI bulletin for this examination; none is stated on this page |
| Pre-licensing education | None for adjusters: ‘There are no prelicensing education requirements for adjusters’ (PSI bulletin). The 20-hour education requirement in the bulletin applies to producers, not adjusters |
| Fingerprinting and bond | Fingerprint-based criminal history check required of all adjuster applicants (electronic fingerprinting at PSI sites, $66.75 per the current bulletin); $10,000 surety bond under 72B.041; application through Sircon after passing, with a $50 application fee under 72B.041 |
How does preparation map to the examination outline?
The published outline for this examination organises the sitting as follows. Preparation in the program in the works is organised on the same sections, in the same proportions.
| Outline section | Weight / character |
|---|---|
| Property and casualty insurance terms and concepts | Shared-examination block |
| Personal and commercial property coverages | Shared-examination block |
| Commercial coverages and liability basics | Shared-examination block |
| Adjuster duties and the adjustment process | Shared-examination block |
| Minnesota insurance law — chapters 72B and 60K subjects | Shared-examination block |
Property and casualty insurance terms and concepts (Shared-examination block). Terms and concepts items are definitional on the surface and applied underneath: actual cash value against replacement cost, coinsurance, proximate cause, negligence, liability, subrogation, and the standard conditions vocabulary. The efficient method here is worked examples: short scenarios, answered and reviewed, rather than rereading notes.
Personal and commercial property coverages (Shared-examination block). Homeowners items work through the HO forms section by section: Section I property coverages and their internal limits, Section II liability, the named-perils against open-perils distinction, and the exclusions and conditions that decide real claims. Preparation for this section should be built from the outline’s own subtopics, worked at examination pace.
Commercial coverages and liability basics (Shared-examination block). Commercial property items cover the commercial package and commercial property forms: causes-of-loss forms, coinsurance at commercial scale, business income and extra expense, equipment breakdown, and the endorsements that move coverage. Candidates most often underrate this section because its items look familiar from practice; the examination tests the published version, not the remembered one.
Adjuster duties and the adjustment process (Shared-examination block). The adjustment process block is the practice block: duties after a loss, investigation and documentation, estimating and valuation, the proof of loss, negotiation, the appraisal clause, and settlement options. Study this section from the primary text first and from summaries second; its items are written closely to the source.
Minnesota insurance law — chapters 72B and 60K subjects (Shared-examination block). The state-law block is the part of the examination that cannot be prepared from a national text: the licensing statute, the contract and fee rules that govern practice in this state, unfair claims settlement duties, and the regulator’s enforcement powers. The efficient method here is worked examples: short scenarios, answered and reviewed, rather than rereading notes.
Who earns this license?
Minnesota’s public adjuster candidates serve a state of hail alleys, tornado seasons, and freeze losses, with a storm market active enough that its contractor and solicitation laws are part of the licensing landscape. The pool draws from roofing and restoration — Minnesota regulates the overlap between contracting and adjusting closely — from insurer and independent adjusting under the same shared examination, and from new entrants who discover, correctly, that the absence of a pre-licensing course makes the examination the whole educational gate. The 72-hour client cancellation right in Minnesota practice shapes how the profession signs its clients, and candidates meet it in this program as practice law, not trivia.
What is the route to the license?
The Department’s route runs: sit the PSI Property & Casualty Adjuster examination (one hour, $25), be fingerprinted for the state and national criminal history check, file the $10,000 bond, and apply through Sircon with the $50 application fee. No pre-licensing education precedes the examination for adjusters. Applications are completed electronically through Sircon after the examination is passed. The companion guide walks the route, the shared examination, and the chapter 72B layer in full, and states plainly at each step which facts belong to the shared examination and which belong to the public adjuster license itself.
What makes this examination demanding?
The demand in Minnesota is navigational before it is academic. A candidate must first identify the correct examination inside a bulletin that never uses the words ‘public adjuster’ in its examination table, then prepare for a shared property and casualty sitting whose published record does not include a scored-question count, and then learn a body of public-adjuster law the shared examination only partly reaches. Candidates who buy preparation labelled for a dedicated Minnesota public adjuster exam are preparing for a document that does not exist; the demand is to prepare for the real one.
An honest note on format
PassProfessor practice works in the format this examination uses — computer-based, multiple-choice, timed at the examination’s pace. The vendor does not release its examination items, and no provider can offer them. Practice results are a study gauge, not a prediction of a licensing outcome, and the examination decision and the licensing decision both belong to bodies other than PassProfessor.
How should you use this page while the program is in the works?
- Join the notify list today. Enrollment is not open yet, and the notify list is how you hear the moment it is. While you wait, read the exam guide — it walks the licensing route, the outline section by section, the sitting itself, and a preparation plan in full.
- Confirm the license before the syllabus. Read the ‘Which license is this?’ section above twice if your background is insurer-side adjusting or producing; in Minnesota, the public adjuster credential is its own license with its own examination route.
- Start the application clock-watching early. The steps around the examination — in this state, fingerprinting and a $10,000 surety bond in the Sircon application the Department decides — have their own lead times, and candidates who start them during preparation do not lose a season to paperwork after a pass.
- Study from the primary documents alongside any preparation. The vendor’s handbook or bulletin and the state’s adjuster law are the examination’s sources, and both are published for candidates.
Frequently asked questions
What is the Minnesota Public Adjuster license? It is the license the Department of Commerce issues to the adjuster who represents the insured — the policyholder — in a claim, rather than the insurer. Public Adjuster — one of the three adjuster classes Minnesota Statutes 72B.03 creates (independent adjuster, public adjuster, crop hail adjuster). The holder is retained by the insured, for compensation, to document, evaluate, and negotiate the insured’s claim.
Who regulates public adjusters in Minnesota? the Minnesota Department of Commerce. The regulator writes or administers the licensing rules, receives the application, and issues the license; the examination vendor administers the test and nothing more.
What examination must Minnesota public adjuster candidates pass? The Minnesota Property & Casualty Adjuster examination (the adjuster examination for the public adjuster license), administered by PSI. PSI Services LLC; computer-based at PSI centres or remotely proctored; Property & Casualty Adjuster examination time allowed: 1 hour
What is the passing standard? 70% correct — ‘You will need 70% correct to pass the exam’ (PSI Minnesota Candidate Information Bulletin, Score Reporting)
Is there a pre-licensing education requirement? None for adjusters: ‘There are no prelicensing education requirements for adjusters’ (PSI bulletin). The 20-hour education requirement in the bulletin applies to producers, not adjusters
What else does licensure require besides the examination? Licensure sits alongside fingerprinting and a $10,000 surety bond in the Sircon application the Department decides. The examination is one input into the application; the Department of Commerce issues the license on the completed file, and no candidate may act as a Minnesota public adjuster before it issues.
How is a public adjuster different from an independent adjuster? By client. An independent adjuster adjusts claims on behalf of insurers; a public adjuster is retained by and represents the insured. The licenses, the duties, and in Minnesota the licensing treatment are distinct, and preparation for one does not substitute for preparation for the other.
Does passing the examination make me a licensed public adjuster? No. Passing satisfies the examination requirement; the license issues when the Department of Commerce approves the completed application. Acting as a public adjuster before the license issues is unlicensed practice, however the examination went.
When will the PassProfessor Minnesota program open? The program is in the works and enrollment is not open yet. Join the notify list on this page and you will be emailed when enrollment opens; the companion exam guide is available to read now for planning your preparation.
Is PassProfessor affiliated with the Department of Commerce or PSI? No. PassProfessor is an independent preparation provider, not affiliated with the Minnesota Department of Commerce or PSI Services LLC. The regulator owns the license and the vendor administers the examination; this program is preparation only.