Rhode Island
Beth Dwyer
Rhode Island Division of Business Regulation Insurance Division
1511 Pontiac Avenue
Building 69-2
Cranston, Rhode Island, 02920
Appointments & Terminations
Yes
A property and casualty producer doesn't require a carrier appointment to sell, solicit, or negotiate travel insurance.
Within 15 days the first business submission
RI ST § 27-2.4-14.1(a-c) To appoint a producer as its agent, the insurer must file a notice of appointment electronically through NIPR within 15 days from the date the first insurance application is submitted.
Yes
For each appointment $15
For each appointment $15
No
No
Yes
Effective date is required. Requested effective date may be backdated up to 15 days from the current date.
Yes
Via NIPR Portal
January 31st, annually
Yes
Voluntary Termination; Inadequate Production; Death; Company Defunct or Liquidation; Company Indebtedness; Poor Policyholder Service; Agent Moved; Appointed in Error; Company Merger; Request Regulatory Review
No
Notices must be mailed
Licensing
Resident New License Insurance Producer: $120
Resident New License Surplus Lines Broker: $100
Nonresident New License Insurance Producer: $130
Nonresident New License Surplus Lines Broker: $100
Resident: Insurance Producer Renewal Fee: $120.00 Late Renewal Fee: $170.00 Surplus Lines Broker Renewal Fee: $100.00 Late Renewal Fee: $150.00 Motor Vehicle Damage Appraiser Renewal Fee: $150.00 Late Renewal Fee: $200.00 Title Renewal Fee: $120.00 Late Renewal Fee: $170.00 Reinsurance Intermediary Broker Renewal Fee: $200.00 Late Renewal Fee: $250.00 Reinsurance Intermediary Manager Renewal Fee: $200.00 Late Renewal Fee: $250.00 Company/ Independent Adjuster Renewal Fee: $250.00 Late Renewal Fee: $300.00 Public Adjuster Renewal Fee: $250.00 Late Renewal Fee: $300.00 Nonresident: Insurance Producer Renewal Fee: $130.00 Late Renewal Fee: $180.00 Surplus Lines Broker Renewal Fee: $100.00 Late Renewal Fee: $150.00 Title Renewal Fee: $130.00 Late Renewal Fee: $180.00 Motor Vehicle Damage Appraiser Renewal Fee: $150.00 Late Renewal Fee: $200.00 Reinsurance Intermediary Broker Renewal Fee: $200.00 Late Renewal Fee: $250.00 Reinsurance Intermediary Manager Renewal Fee: $200.00 Late Renewal Fee: $250.00
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed for 30 days after expiration; reinstatement allowed up to one year after expiration
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed for 30 days after expiration; reinstatement allowed up to one year after expiration
No
No
Residence, Business, and Mailing
Claim Adjuster, Company Life, Company P&C, Company/Independent Adjuster, Surplus Lines Broker, Public Adjuster, Title, Emergency Adjuster, Insurance Producer, Reinsurance Intermediary Broker, Reinsurance Intermediary Manager, Motor Vehicle Damage Appraiser, Life Settlement Broker, Temporary Insurance Producer, Emergency Motor Vehicle Damage Appraiser
Yes
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
No
Exam required before license application
Yes – General background check
Yes, for Resident Licensing
Live Scan
One Year
Non-citizens of the U.S. must e-mail proof of eligibility to work in the U.S to the Rhode Island Department of Business Regulation to dbr.inslic@dbr.ri.gov.
Errors and omissions insurance coverage
NIPR Gateway
It takes 3-5 days for the exam results to be reported to NIPR and when those results are reported, you will be able to apply for the applicable LOA.
None
No
Yes
A licensee must notify the Director of any change in legal name or address within 30 days. Contact Change Request supported via NIPR Gateway.
Individual and Business Entities can process via NIPR
Agency
Yes
Yes
No
90 days prior to expiration date until expiration date. Grace period ends 30 days after expiration date with no fee. Late renewal period ends until 30 days after expiration date.
No
No
Branch office must be licensed
A licensee must notify the Director of any change in legal name or address within 30 days. Contact Change Request supported via NIPR Gateway.
Adjuster
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, PA, SC, TX, UT, VT, WA, WV
CA, HI, NY, PR, WY
Property/Casualty Crop Workers' Compensation, Crop
Licensing Fee: $250 Reinstatement Fee: $300 Renewal Fee: $250 Late Renewal Fee: $300
Yes
Biennially, on the last day of the individuals birth month. Business entities should refer to the expiration date as the renewal due date.
No LOA required
Licensing Fee: $250 Reinstatement Fee: $300 Renewal Fee: $250 Late Renewal Fee: $300
Yes
An emergency adjuster license may be issued that lasts 120 days. Emergency adjusters must be employed by an adjusting entity or an insurer licensed in Rhode Island. Public Adjusters cannot be emergency adjusters.
Yes
CT, DE, FL, KY, LA, NV, NH, NM, NC, OK, SC, TX, VT, WV, WY
Property/Casualty Crop Workers' Compensation
Licensing Fee: $250 Reinstatement Fee: $300 Renewal Fee: $250 Late Renewal Fee: $300
Yes
Biennially, on the last day of the individuals birth month. Business entities should refer to the expiration date as the renewal due date.
Motor Vehicle Damage Appraiser
Company/Staff, Independent, Nonresident
Licensing Fee: $150 Reinstatement Fee: $200 Renewal Fee: $150 Late Renewal Fee: $200
Yes
Yes
Biennially, on the last day of the individuals birth month. Business entities should refer to the expiration date as the renewal due date.
All individuals must be licensed and hold the Worker's Compensation line of authority.
Yes
Continuing Education
24
2 years
Yes
Last day of birth month
Year of first license issuance
Prior to license expiration.
90 days prior to expiration date
90 days prior to expiration date
Resident producers over the age of 60 that have held a license for at least 20 consecutive years are exempt. Resident producers over the age of 55 that held your license for at least 25 consecutive years are exempt. A Resident Adjuster may bypass the written examination if they pass a proctored exam and fulfill any other requirements for the Department of Business Regulation.
The reinstatement period for a producer license is 30 after the expiration date of the license up to one year after the expiration date, plus fees and a requirement to get current on CE.
Yes
Yes
Up to 12, all credited as general hours
3
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training every two years
One-time, 4-hour course
Adjusters must complete 24 CE hours, including 3 hours of Ethics
https://agentsync.io/blog/individual-producers/insurance-continuing-education-rhode-island
Regulatory Updates
Rhode Island Starts Displaying More License Classes on the Producer Database
Effective February 6th, 2025, Rhode Island will display the Medicare Prescription Drug Plan (Limited) on the Producer Database.
Rhode Island Life Settlement Provider Fee Update
Effective November 25, 2025, Rhode Island made the following fee change for residents and nonresidents. Life Settlement Provider - Old Fee - Initial license fee: $1,000.00 - Annual fee (filed with annual report): $1,000.00 - - New Fee - Initial license: $1,000.00 - Annual fee (filed with annual report): $500.00
Rhode Island Appointment Expiration Dates Updates
Effective January 15, 2025, Rhode Island will be updating approximately 76,000 Rhode Island appointment expiration dates from March 1, 2026, to January 31, 2026. All future 2025 appointments will automatically be set for January 31, 2026, going forward. Update: Due to technical problems, these expiration dates will populate tomorrow (January 16, 2025)
Rhode Island Title Appointment and Termination Processing Electronically
Effective February 14, 2025, Rhode Island will allow the Title license class to be appointed and terminated electronically. The Rhode Island Insurance Division expects all active title licensee appointments to be submitted electronically by February 28, 2025.
Rhode Island Amendment Fee Removed
Effective February 14, 2025, Rhode Island will update their amendment fee (LOA addition) from $50 to $0. This change is for Business Entities and individuals for: Resident, Nonresident, and No Home State applications. As well as Nonresident Adjusters applications for individuals.
Rhode Island Bulletin Covering 2024 Legislative Amendments
Posted September 30, 2024, Rhode Island posted a bulletin covering legislative amendments that were enacted during the 2024 session of the Rhode Island General Assembly. Please see the attached document for more information.
Rhode Island 2025 Appointment and Termination Changes
On August 22, 2024, Rhode Island posted a bulletin about appointment filing instructions for the newly enacted implementation of insurance producer electronic appointments, required to be filed through NIPR’s Insurance Appointment and Termination system beginning January 01, 2025. Please see the attachment for more information.
Rhode Island Adjuster CE Requirements
On August 22, 2024, Rhode Island posted a bulletin regarding Adjuster Continuing Education requirements which will be effective May 28, 2024. The Department is implementing continuing education for insurance claim adjusters who will be required to complete twenty-one (21) general credits and three (3) ethics credits. Please see the attachment for more information.
Rhode Island Appointment and Termination Requirements For Residents and Nonresidents
Effective January 1, 2025, Rhode Island made updates around appointment renewals, termination, and appointment requirements for resident and nonresident producers. Please see the attachments for more information.
Update: Please see the link for FAQ by the state _
Rhode Island Makes Resident and Nonresident Adjuster Licenses
Effective May 28, 2024, Rhode Island Department of Insurance made the following changes for residents and nonresident adjuster licenses.
Rhode Island to Implement Electronic Producer Appointments
On July 3, 2024, Rhode Island announced that effective January 2025, they will be implementing electronic producer appointments via NIPR. More details to be announced.
Rhode Island Issues Bulletin Insurers Regarding Expected Courtesies
On February 6, 2024, Rhode Island issued a bulletin to inform property and casualty insurers that certain courtesies are expected of adjusters and insurers while interacting with claimants or their legal representative during the claims process. See attachment for full details.
Rhode Island Clarifies the Charging of Fees Added to Insurance Policies by Insurers
On October 31, 2023, Rhode Island clarified changes to fees and policy premium on Property and Casualty for admitted insurers. Please see attachment for more information.
Rhode Island to Update Business Rule for Applying For Adjuster License
Effective September 13, 2023, Rhode Island is updating business rules related to applying for an adjuster license as follows: - Applicants that have an active resident producer (non-adjuster) license and no active resident adjuster may not apply for an adjuster (non-public adjuster) license using the resident producer (non-adjuster) license. \*Note: Public Adjusters will be treated as Producers - Adjuster Designated Home State applicants cannot submit both a residence and business address in Rhode Island.
Rhode Island to Add an Update to Non-Uniform Question Requirement
Effective July 13, 2023, Rhode Island Non-Uniform Question for veteran status has been updated for the Resident Licensing Renewal application.
Rhode Island to Add Defer Rule for Emergency Class for No Home State Applicants
Effective June 9, 2023, Rhode Island will defer all Emergency Class applications. All No Home State applications containing Emergency Adjuster and Emergency Motor Vehicle Appraisers will be deferred to the state for review.
Rhode Island to Remove requirement for Bond Filing
Effective May 12, 2023, Rhode Island will remove a requirement for bond filing. Surplus Line Broker will no longer require submitting a certificate from the General treasurer that the resident Broker has filed the required bond.
New Process for Rhode Island Primary Name Updates
Beginning on December 9, 2022, Rhode Island will offer a new transaction type for individual and business entity primary name updates.
Rhode Island Updates Licensing Rules for Self-Service Storage Agents
Effective August 3, 2022, Rhode Island updated licensing rules for resident and nonresident self-service storage agents.
Rhode Island Updates General Requirements for Adjuster License
Rhode Island added conditions to which a Resident or Nonresident may obtain an Adjuster License, and bypass the written examination effective January 1, 2023.
FAQs
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How Do I Get an Insurance License in Rhode Island?
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How Do I Get a State Adjuster License in Rhode Island?
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How do I renew my insurance license in Rhode Island?
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How do I renew my nonresident insurance license in Rhode Island?
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How Do I renew My Non-Resident Adjuster License in Rhode Island?
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How Do I Renew My Adjuster License In Rhode Island?