Pennsylvania Public Adjuster Reciprocity: 6 States

Pennsylvania grants license reciprocity for public adjusters to applicants licensed in good standing in the following six states:

1. Delaware
2. Virginia
3. North Carolina
4. Florida
5. Ohio
6. Michigan

Requirements for Reciprocal License

• Current, active license in home state (no disciplinary actions).
• Submit Pennsylvania Insurance Department (PID) application + fee ($50–$100).
• Provide Letter of Certification from home state DOI (issued < 90 days).
• Pass Pennsylvania-specific law/exam (often waived or abbreviated for reciprocal applicants—check PID).
• Designate PA-resident business address or registered agent.
• Obtain PA surety bond ($20,000) or E&O insurance per statute.

Non-Reciprocal States

Applicants from other states (NY, NJ, MD, TX, CA, etc.) must meet full PA licensing: pre-licensing education, state exam, fingerprinting, bond.

Verify Current Status

Reciprocity agreements change. Always confirm with Pennsylvania Insurance Department – Producer Licensing Division (insurance.pa.gov) before applying.