Compliance Library ©
Insurance is mostly regulated on a state-by-state basis, with each state and U.S. territory determining their own legal standards and procedures. Here you can find state-specific information such as department of insurance contacts; read FAQs about licensing, carrier appointments, and Just-In-Time requirements; and stay up to date with relevant articles and blogs.
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Comparison Table
With AgentSync’s 50 State Summary Table, we’ve taken the top questions concerning licensing, appointments, adjuster, and business entity management and set them in a comparative grid across the states and territories. Have an at-a-glance understanding of how each state handles appointments or licensing.
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Upcoming Changes
Arizona Adding Staff Adjuster Line of Authority (LOA) to the Adjuster license class
Effective September 12, Arizona will add the Staff Adjuster LOA to the Adjuster License Class. Applicants may qualify for the Staff Adjuster license without taking the state adjuster examination if they meet the requirements below. The staff adjuster license is an optional license, and the application is available for a limited time. Arizona staff adjusters will continue to be exempt from Arizona licensure. - **Requirements before January 1, 2026** - The applicant must have been an Arizona resident before January 1, 2026. - The applicant must have held an active Designated Home State (DHS) license in another state before January 1, 2026, and qualified for the DHS license through a state-approved examination. - **Requirements before June 30, 2027** - The applicant must submit the application, pay the required fee, and complete fingerprinting before June 30, 2027. - Applicants who do not meet the above requirements can still qualify for the Adjuster LOA by taking the AZ Adjuster Exam.
Kansas Adding Rule for Viatical Broker Requirements
Effective September 11, 2026, Kansas will require an underlying Life line of authority or a Life exam for resident applicants to obtain a Viatical Broker license.
Pennsylvania Converting to PLMA Insurance License Classes and Lines of Authority
Effective September 14, 2026, Pennsylvania will convert existing Producer and Limited Lines license classes and Lines of Authority descriptions to become compliant with PLMA standards. The changes will affect the Producer Database (PDB) and NIPR Gateway for Resident Licensing (RL), Resident Licensing Renewals (RLR), Non-Resident Licensing (NRL) and Non-Resident Licensing Renewals (NRR). The old licenses and lines will become inactive and kept on PDB as Historical data. Due to the conversion, Pennsylvania RL, RLR, NRL and NRR applications will be turned off on Tuesday, September 8, 2026, at 4:00 pm central time. Processing is expected to resume on Monday September 14, 2026, at approximately 6:00 am central. Any transaction submitted during this timeframe will be declined.
South Carolina 2026 Company Appointment Renewals
Effective September 1, 2026, South Carolina Company Appointment Renewal invoices will be available for payment through September 30, 2026. A late renewal period will be offered from October 1, through December 1, 2026, that will include penalty fees. Please review important processing information below. **South Carolina State Specific Rules:** - Electronic processing through NIPR is mandatory and continuation invoices cannot be paid directly to South Carolina Department of Insurance. - Appointments are renewed for two years for individuals. - New appointments submitted on and after August 27, 2026,** **will not need to be renewed for the current year and will be included on the next renewal cycle in 2028. - The NIPR website will display the renewal invoice and a list of appointment renewals beginning at 9:00 am Central on September 1, 2026. - Companies may terminate any appointment that should not be included on appointment renewal invoice through August 27, 2026. Companies will not be allowed to terminate any appointments on the list once the invoice has been generated and made available.** ** - Companies will be billed for appointments that are active as of August 30, 2026. - The late renewal period will begin October 1, 2026, through December 1, 2026. Fee will increase to $250 per appointment. - The invoices will no longer be displayed on the NIPR website after December 1, 2026, at 5:00 pm Central. - All appointments will be terminated if the invoice is not paid by December 1, 2026, 5:00 pm Central. - Electronic payment options chosen through NIPR will immediately reflect the invoices as paid and NIPR will forward payment and renewal transactions to the state within 24 hours of that payment. - Appointment Renewal and NIPR processing fees are non-refundable. - If an invoice appears to be inaccurate, please contact NIPR Support at [support@nipr.com](mailto:support@nipr.com) for assistance before submitting payment.
Oregon to Update Fees for Insurance Producer, Adjuster, Public Adjuster, and Consultant
Effective, ~~August 13 ~~September 1, 2026, Oregon will update their fees for Insurance Producer, Adjuster, Public Adjuster, and Consultant.
Minnesota Adding/Revising Travel License Requirements
Effective 8/25/2026, Minnesota is adding/revising their travel license requirements for residents and non residents as follows: "Limited lines travel insurance producer" means any of the following: a. a licensed MGA or TPA; b. a licensed insurance producer, including a limited lines producer; or c. a travel administrator. "Travel administrator" means a person who directly or indirectly underwrites, collects charges, collateral, or premiums from, or adjusts or settles claims on Minnesota residents in connection with travel insurance. The following persons will not be considered travel administrators: a. a person working for a travel administrator, to the extent the person's activities are subject to the travel administrator's supervision and control; b. an insurance producer selling insurance or engaged in administrative and claims-related activities within the producer's license scope; c. a travel retailer offering and disseminating travel insurance that is registered under a limited lines travel insurance producer license; d. an individual adjusting or settling claims in the individual's practice or employment as an attorney who does not collect charges or premiums in connection with insurance coverage; or e. a business entity that is affiliated with a licensed insurer while acting as a travel administrator for the affiliated insurer's direct and assumed insurance business. "Travel insurance": a. means insurance coverage for personal risks incident to planned travel, including, but not limited to: I. trip or event interruption or cancellation; II. loss of baggage or personal effects; III. damages to accommodations or rental vehicles; IV. sickness, accident, disability, or death occurring during travel; V. emergency evacuation; VI. repatriation of remains; and VII. any other contractual obligation to indemnify or pay a specified amount to a traveler upon determinable contingencies related to travel, as approved by the Commissioner; and b. does not include: I. major medical plans that provide comprehensive medical protection for travelers with trips lasting 6 months or longer, including those working overseas as an expatriate or military personnel being deployed; or II. a product requiring a specific insurance producer license. The Commissioner may issue a limited lines travel insurance producer license to an individual or a business entity. a. Applicants must file the required license application in the Commissioner-prescribed form and manner. b. The limited lines travel insurance producer must be licensed to sell, solicit, or negotiate travel insurance through a licensed insurer. c. No person may act as a limited lines travel insurance producer or travel retailer unless properly licensed or registered. A travel retailer may offer and disseminate travel insurance under a limited lines travel insurance producer business entity license if: a. the producer or travel retailer provides to the travel insurance customers: I. the actual material terms of insurance coverage or a description of the material terms of the insurance coverage; II. a description of the claims filing process; III. a description of the review or cancellation process for the travel insurance policy; and IV. the insurer's and limited lines travel insurance producer's identity and contact information; b. the limited lines travel insurance producer keeps a register of each travel retailer that offers travel insurance on the producer's behalf; c. the limited lines travel producer: I. designates an employee who is a licensed individual producer as the designated responsible producer (DRP), responsible for the business entity's compliance with Minnesota's insurance laws and rules; II. pays the applicable insurance producer licensing fees; and III. requires each of the travel retailer's employees and authorized representatives that offer and disseminate travel insurance to complete a training program, which is subject to the Commissioner's review and approval, that covers: (1) the types of insurance offered; (2) ethical sales practices; and (3) required disclosures to prospective purchasers; and d. the DRP, president, secretary, treasurer, and any other officer or person who directs or controls the producer's insurance operations complies with the fingerprinting requirements applicable to insurance producers in the limited lines travel insurance producer's resident state. The register discussed in above must: a. be created on the Commissioner-prescribed form; b. be maintained and updated by the limited lines travel insurance producer; c. include: I. the name, address, contact information, and federal tax identification number of the travel retailer; II. the name of an officer or person who directs or controls the travel retailer's operations; and III. certification that the travel retailer complies with 18 USCA § 1033; and d. be submitted to the Commissioner within 30 days of request. Limited lines travel insurance producers and travel retailers are subject to MN ST § 60K.43(Subd.1,3,4). The travel retailer must make brochures or other written materials available to prospective purchasers that have been approved by the travel insurer. The material must: a. provide the insurer's and limited lines travel insurance producer's identity and contact information; b. explain that purchase of travel insurance is not required to purchase any other product or service from the travel retailer; and c. explain that an unlicensed travel retailer may provide general information about the offered travel insurance, including a description of the coverage and price, but is not qualified or authorized to: I. answer technical questions about the insurance terms and conditions; or II. evaluate the adequacy of the customer's existing insurance coverage. A travel retailer's employee or authorized representative who is not licensed as an insurance producer may not: a. evaluate or interpret the technical terms, benefits, or conditions of the travel insurance coverage; b. evaluate or provide advice concerning a prospective purchaser's existing insurance coverage; or c. hold himself/herself out as a licensed insurer, licensed producer, or insurance expert. As the insurer designee, the limited lines travel insurance producer: a. is responsible for the acts of a travel retailer; and b. must use reasonable means to ensure that the travel retailer complies with MN ST § 60K.383 and Chapter 65C. Any producer licensed in a major line of authority as an insurance producer may sell, solicit, or negotiate travel insurance. A property and casualty insurance producer is not required to be appointed by an insurer in order to sell, solicit, or negotiate travel insurance. Travel administrators are subject to the requirements below. a. To act or represent itself as a travel administrator for travel insurance in Minnesota, a person must: I. be a licensed property and casualty insurance producer in Minnesota for activities permitted under that producer license; II. hold a valid MGA license in Minnesota; or III. hold a valid TPA license in Minnesota. b. A travel administrator and its employees are exempt from the licensing requirements of Chapter 72B for travel insurance the travel administrator administers. c. An insurer is responsible for: I. the acts of a travel administrator administering travel insurance underwritten by the insurer; and II. ensuring that the travel administrator maintains all books and records relevant to the insurer, to be made available by the travel administrator to the Commissioner upon request.