Regulatory Updates

To act as an adjuster in South Carolina, an individual must be licensed or qualify for one of the license exemptions.      a.  No license may be issued to a nonresident adjuster who resides in a state refusing to license South Carolina           adjusters.      b.  Individuals must apply using the uniform individual application or as prescribed by the Director.      c.  A nonresident adjuster applicant licensed in his/her home state or any other state requiring a licensing examination is not required to pass a written examination prior to licensure.

The following individuals are exempt from the adjuster licensure requirement:      a.  an individual who:           I.  for portable electronics insurance:                (1)  collects claim information from insureds or claimants; or                (2)  furnishes claim information to insureds or claimants; and                (3)  conducts data entry, including entering data into an automated claims adjudication system;                      and          II.  is supervised by a licensed adjuster or producer, if there are no more than 25 persons as described in                (I) above that are under the supervision of the adjuster or producer;      b.  an attorney at law admitted to practice in South Carolina, when acting in his/her professional capacity as an attorney;      c.  an insurer's employee who is not regularly engaged in the adjustment or investigation of insurance claims;      d.  a person employed only to provide technical assistance to a licensed adjuster, including, but not limited to:         I.  investigators;         II.  attorneys;         III.  engineers;         IV.  estimators;         V.  handwriting experts;         VI.  photographers; and         VII.  private detectives;      e.  a producer of an authorized insurer or producer's employee who processes an undisputed claim or uncontested           loss for the insurer under a policy issued by the producer;      f.  a person who performs clerical duties and does not negotiate with parties on disputed or contested claims or otherwise perform adjuster duties;      g.  a person who handles claims under life, accident or health insurance policies;      h.  a person employed to investigate suspected fraudulent insurance claims but who does not adjust losses or determine claim payments;      i.  a person handling claims arising under service contracts;      j.  a person handling commercial claims for excess coverages;      k.  a person who settles only reinsurance or subrogation claims;      l.  a full-time salaried employee of a self-insurer; and      m.  a person authorized to adjust workers' compensation or disability claims under the authority of a TPA license.

The adjuster licensing requirements in Chapter 91 do not prevent an insurer's executive officer, an insurer's employee handling claims, the duly designated attorney, or producer authorized and acting for subscribers to reciprocal insurers with respect to residential property insurance from adjusting food spoilage claims, loss, or damages under an insurance contract in which the coverage amount is limited to $500 or less.

Unless denied licensure under SC ST § 38-91-120, a person may obtain a nonresident adjuster license with the same lines of authority held in the home state subject to the requirements below.      a.  In the home state, the applicant must:         I.  be currently licensed as a resident adjuster;         II.  have passed an adjuster examination;         III.  have furnished a complete set of fingerprints and undergone a background check; and          IV.  be in good standing.      b.  If the home state does not require an examination, the applicant must meet the examination requirements in SC ST § 38-91-60.      c.  If the home state does not require fingerprints and a background check, the applicant must meet the fingerprint and background check requirements in SC ST § 38-91-60.      d.  The applicant must:          I.  pay the license fee; and          II.  submit the appropriate license application.      e.  The person's home state must issue nonresident adjuster licenses to South Carolina residents on the same basis.      f.  The Director may waive any Chapter 91 license requirements for an applicant who holds a valid license from another state if the state has license requirements substantially equivalent to the Chapter 91 requirements.      g.  The Director may verify the adjuster's licensing status through regulatory or other databases.      h.  As a condition of licensure, the nonresident adjuster must maintain a resident adjuster license in his/her home state.          I.  The nonresident license must terminate and be surrendered immediately to the Director if the home state adjuster license terminates for any reason.          II.  If the license terminates for any reason, the adjuster may not transact any adjustment of claims.

A nonresident who is not eligible for a license may designate South Carolina as his/her home state and apply for a resident adjuster license. The nonresident would be required to pass the adjuster examination and comply with the other Chapter 91 provisions applicable to South Carolina residents.

Individual or business entity applicants must provide their legal names, email addresses, business mailing addresses, and residential mailing addresses at the time of application. The adjuster must notify the Department within 30 days of any change of this information.

An adjuster must notify the Director within 30 days after final disposition of any administrative action taken against the adjuster by another jurisdiction or another governmental agency. The report must include a copy of the:      a.  order;      b.  consent to order; or      c.  other relevant legal documents.

An adjuster must notify the Director within 30 days of a criminal conviction of the adjuster taken in any jurisdiction for violation of insurance laws or regulations, any felony, or any misdemeanor. The report must include a copy of:

     a.  the initial complaint filed;      b.  the order resulting from the hearing; and      c.  all other relevant legal documents. 

In the passage of HB1236, pharmacy benefit managers are expected to begin planning and making necessary administrative and software updates to comply with the new legislation. Upon the date that the Governor signs the new legislation into effect, the Louisiana Department of Insurance (LDI) will permit PBMs (Pharmacy Benefit Managers) a period of fourteen calendars days to update systems and comply with the new provisions. See attachment for full details.

A wellness reimbursement program administrator must be licensed to sell, offer, market, promote, or operate a wellness reimbursement program.

   a.  Applicants must:      I.  apply using the prescribed application form;      II.  pay the initial license fee;     III.  submit annual financial statements or reports for         the 2 preceding calendar years; and      IV.  submit any other documents that the Director may         require to ensure that the applicant meets the         licensure requirements.    b.  The Director must find that the applicant:      I.  is competent, trustworthy, and financially         responsible;      II.  has a good personal and business reputation;     III.  has not had an insurance license revoked, suspended,         or denied in any jurisdiction within the preceding         5 years; and      IV.  has not been convicted of a crime involving fraud,         dishonesty, or moral turpitude in any jurisdiction.    c.  A wellness program administrator must:      I.  comply with the Federal ERISA requirements or submit         a letter or document from the I.R.S. or the U.S.         Department of Labor approving the specific wellness         reimbursement program;      II.  keep a full record of its business and affairs (to         be inspected by the Director at least every 3 years         at the administrator's expense); and     III.  file and maintain a surety bond with the Director. [2025 SC H.B. 4305(NS)(SC ST § 38-105-20)(A-F)]3

DLCP is preparing to launch BOSS: Business One Stop Solution, the District’s new unified licensing and registration platform designed to modernize how businesses interact with the agency. BOSS is anticipated to roll out by the Fall, marking a major step toward a more streamlined, accessible, and user‑friendly experience for customers across the District. BOSS will bring multiple systems together, reduce administrative steps, and create a clearer pathway for entrepreneurs, established businesses, and industry professionals.

What BOSS Will Deliver Unified Platform — Combines corporate registration, Basic Business Licensing (BBL), Special Events, Weights and Measures, and Vending services into one integrated system. Fewer Document Uploads — New APIs allow information to move more easily between DLCP and partner systems, reducing the number of documents customers need to submit. Improved Data Connections — Stronger links between employer and employee records support greater accuracy and reduce duplicate data entry. Amendments During Active License Periods — Businesses will be able to update BBL applications without waiting for renewal. Automated Updates — Changes made to corporate registration will automatically sync to licensing records. Customer Dashboard — A comprehensive dashboard will give users a clear view of license status, outstanding requirements, and upcoming deadlines. Critical Requirement Alerts — Notifications will help customers stay aware of approaching deadlines for items such as insurance certificates or bonds. New DC‑Focused License Design — Licenses will feature a refreshed, District‑centered look.

Why BOSS Matters Simplified Processes — Customers will complete business transactions with fewer steps and less confusion. Faster Interactions — Integrated data flow reduces delays and supports quicker decision‑making. Greater Transparency — Clearer views of requirements and deadlines help customers stay on track. Modern Experience — A user‑friendly interface supports smoother navigation for both new and returning customers. DLCP will continue sharing updates on our website as the rollout approaches, giving businesses the information they need to prepare for this significant modernization.

Effective July 19, 2026, Massachusetts company appointment renewal invoices will be available for payment through August 31, 2026. Please review important processing information below for upcoming appointment renewal and late renewal period.

**Massachusetts Appointment Renewal Business Rules **

- Electronic processing through NIPR is mandatory, and continuationinvoices cannot be paid directly to the Department of Insurance. - Companies will be billed for appointments that are active as of 06/30/2026. - Companies may terminate any appointment that should not be included on appointment renewal invoice until07/14/2026. - All appointments submitted on and after 07/01/2026will not need to be renewed for the current year and will be included on the next renewal cycle in 2027. - 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. - Appointment terminations can only be processed for appointments that are shown as active on the PDB at the time the termination transaction is sent to NIPR. - If an invoice appears to be inaccurate, please contact NIPR Support atsupport@nipr.comfor assistance before submitting payment.

Effective, 7/1/2026, Mississippi will update their appointment fee from $25 to $50.

**Which Texas Department of Insurance (TDI) rules are outdated, inefficient, unnecessarily burdensome, or duplicative?** TDI is partnering with the Governor’s Texas Regulatory Efficiency Office to identify opportunities to make government more efficient, transparent, and responsive. We want to hear from you. Your feedback will help us identify TDI's rules that can be streamlined, modernized, or eliminated while continuing to protect Texas consumers and support a strong insurance market. Share your recommendations: https://www.tdi.texas.gov/rules/regulatory-reduction-feedback.html

Effective, July 1, 2026 Rhode Island will remove a Non-Uniform Question (NUQ) for Company/Independent Adjuster from No Home State Products.     Are you a war veteran and requesting exemption from the state licensing fee and filing a DD214 form?  Note: Other states may use “disabled veteran” but Rhode Island rule applies to war (or conflict) veteran. 

TN ST s 56-6-103 (Effective 5/7/2026) - Per 2025 TN H.B. 1709(NS) - INDIVIDUAL RESIDENT/NON RESIDENT LICENSE REQUIREMENTS: GENERAL REQUIREMENTS - Added that a producer applicant must be a U.S. citizen or qualified alien.

Effective July 1, 2026 Virginia will add a Non-Uniform Question (NUQ) for all license classes for Resident Licensing (RL), Resident Licensing Renewal (RLR), Non-Resident Licensing (NRL), Non-Resident Renewal (NRR), Non-Resident Adjuster Licensing (NRAL), and Non-Resident Adjuster Renewal (NRAR) applications.

Please acknowledge that you have read the Virginia Sealing of Criminal Records statement below.

Please note that, pursuant to § 19.2-392.15 C and F of the Code of Virginia, in any application for a license or registration submitted to or filed with the Virginia Bureau of Insurance ("Bureau"), including those submitted to or filed through a third party, you are not required to disclose information concerning a prior arrest, charge, or conviction that has been sealed. If you are applying to multiple states on one application, including Virginia, § 19.2-392.15 C and F of the Code of Virginia apply only to Virginia's review of your application. If you are unsure about how to answer any question that may relate to any prior arrest, charge, or conviction you have had (including whether such matters have been sealed), or about the disclosure requirements of other states to which you are applying, you should consult an attorney and/or review your court records prior to answering. Bureau staff cannot provide guidance or advice regarding disclosure of matters that have been sealed.