Under Connecticut law, which person or business is required to hold a public adjuster license?
A. Any person or entity who, as a business, adjusts loss or damage claims on behalf of an insured under a fire or other property/casualty policy for compensation, or who advertises or solicits such business
B. Any insurance producer who merely sells a homeowners policy without handling claims
C. Any claims examiner who reviews files internally but never contacts the insured
D. Any staff employee who adjusts claims solely for the insurance company that employs them
Show answer and reasoning
Correct answer: A. Any person or entity who, as a business, adjusts loss or damage claims on behalf of an insured under a fire or other property/casualty policy for compensation, or who advertises or solicits such business
Correct. Connecticut's Public Adjuster licensing law (Chapter 701b, Conn. Gen. Stat. § 38a-788) reaches anyone who, as a business and for compensation, adjusts or negotiates loss claims on behalf of an insured against the insured's own insurer, or advertises/solicits that service.
- B: Selling a policy is a producer activity, not claim adjusting, and does not by itself trigger public adjuster licensure.
- C: A file examiner who never engages with the insured to negotiate a claim on the insured's behalf is not performing the representative, compensated activity the public adjuster statute regulates.
- D: A staff employee adjusting claims solely for their own employer-insurer is not acting as a public adjuster; public adjusters work for the policyholder, not the carrier.
Source: Conn. Gen. Stat. § 38a-788
Which claims fall within the scope of Connecticut's casualty claim adjuster licensing statute?
A. Only claims for total losses exceeding $100,000
B. Personal injury or death claims from auto accidents, premises/operations liability claims, workers' compensation claims, property damage claims, and claims from violations of a common law or statutory duty
C. Only claims where the insurer has already accepted liability
D. Only claims involving licensed attorneys representing the claimant
Show answer and reasoning
Correct answer: B. Personal injury or death claims from auto accidents, premises/operations liability claims, workers' compensation claims, property damage claims, and claims from violations of a common law or statutory duty
Correct. Conn. Gen. Stat. § 38a-792 requires licensure for adjusters handling this defined set of casualty claim types, including auto injury/death, premises and operations liability, workers' compensation, property damage, and common-law or statutory-duty claims.
- A: Connecticut's casualty adjuster licensing statute has no dollar-value floor; it applies based on the type of claim being adjusted, not the size of the loss.
- C: The statute governs the adjusting activity itself, which occurs during investigation and negotiation, well before and regardless of any liability decision.
- D: Whether the claimant has hired an attorney has no bearing on whether the person adjusting the claim on the insurer's side must be licensed.
Source: Conn. Gen. Stat. § 38a-792 (Formerly Sec. 38-77)
Under Connecticut regulations, a staff member of an insurance company who is already a licensed property and casualty producer may settle certain property damage losses without a separate casualty adjuster license, provided the loss does not exceed what amount?
A. There is no dollar limit; any staff producer is fully exempt
B. $500
C. $1,500
D. $10,000
Show answer and reasoning
Correct answer: C. $1,500
Correct. Conn. Agencies Regs. § 38a-792-3 exempts staff members with authority to settle property damage losses not exceeding $1,500 from separate casualty adjuster licensure, so long as they already hold a P&C producer license.
- A: The exemption is capped at a specific dollar threshold ($1,500), not unlimited, and still requires the staff member to hold a P&C producer license.
- B: $500 understates the regulatory threshold set for this narrow staff-adjuster exemption.
- D: $10,000 overstates the exemption threshold; the regulation caps the exempt authority at a much lower figure.
Source: Conn. Agencies Regs. § 38a-792-3
Which category of professional is expressly exempted from Connecticut's public adjuster licensing requirement when settling a client's claim?
A. Licensed public accountants
B. Licensed real estate appraisers
C. Licensed general contractors
D. Attorneys settling claims of their own clients
Show answer and reasoning
Correct answer: D. Attorneys settling claims of their own clients
Correct. Connecticut's public adjuster statute exempts attorneys who are settling claims on behalf of their own clients, recognizing that this activity is already regulated under the attorney's license to practice law.
- A: Accountants are not named in the statutory exemption for public adjuster licensure.
- B: Real estate appraisers are not the profession Connecticut's public adjuster statute carves out; their work is a distinct, unrelated licensed activity.
- C: General contractors negotiating repair scope are not exempted from public adjuster licensing by virtue of their contractor's license.
Source: Conn. Gen. Stat. § 38a-788
In Connecticut, which specialized category of adjuster is licensed separately to appraise vehicle repair costs after a collision?
A. Motor vehicle physical damage appraiser
B. Life settlement broker
C. Third-party administrator
D. Public adjuster
Show answer and reasoning
Correct answer: A. Motor vehicle physical damage appraiser
Correct. Conn. Gen. Stat. § 38a-790 establishes a separate license for motor vehicle physical damage appraisers, who assess the cost to repair collision damage.
- B: A life settlement broker facilitates the sale of life insurance policies and has nothing to do with vehicle damage appraisal.
- C: A third-party administrator processes claims or benefits under contract for an insurer or plan sponsor and is licensed under different TPA provisions, not the vehicle appraiser statute.
- D: A public adjuster represents policyholders across property/casualty losses generally and is licensed under a different statute than the vehicle appraiser category.
Source: Conn. Gen. Stat. § 38a-790
