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AgentSync State Resources

Rhode Island Insurance Licensing and Compliance Resources

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State License Division Information

Rhode Island Division of Business Regulation
Insurance Division
1511 Pontiac Avenue, Building 69-2
Cranston, Rhode Island 029301
Phone: (401) 462-9520
Fax: (401) 462-9602
Website: https://www.dbr.state.ri.us/divisions/insurance/

Non Resident Licensing Information: Rhode Island NIPR Paper Licensing

For Carriers in Rhode Island

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For Agencies in Rhode Island

  • Import the agent record from the NIPR PDB (Producer Database) in real time

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  • Daily change updates synced directly with NIPR

For MGAs/MGUs in Rhode Island

  • Let technology help manage your distribution channel with contracting, licensing, appointments, & compliance solutions.

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FAQs

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the Rhode Island insurance exams. The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Pearson Vue does offer a “back-to-back” discount for these tests. This means that if you attempt two of the exams in the same sitting that you will get a two-for-one discount.

Rhode Island requires that all insurance license applicants submit a background check prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

After submitting your license application to the state, you will receive an email from the licensing department requesting your background check information and your exam score report. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

For more information, call the Department of Insurance at (401) 462-9520 or email the Insurance Department.

Depending on the lines of authority you wish to carry, you may need to take more than one insurance license exam. The State of Rhode Island requires that all insurance license applications provide background check report from the Attorney General’s office prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Rhode Island Division of Business Regulation Insurance Division at (401) 462-9520 or send them an email. Once you have passed the examinations and submitted the background check report, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about ten (10) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

In Rhode Island, insurance licenses expire every two years on the last day of your birth month. Rhode Island requires that resident individual licensees complete Applicant must be in continuing education (CE) compliance prior to submitting a renewal application. If CE has been completed, please allow two (2) to three (3) business days for it to post on PDB.

If you have taken more credit hours than the required twelve (24), up to twelve (12) hours may carry over to the next renewal period.

After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your Rhode Island insurance license online via the National Insurance Producer Registry. AgentSync can also help with the renewal process.

There is a fee of $120 to renew your producer license.

Rhode Island issues non-resident adjuster licenses to individuals for two (2) years. A letter of certification or letter of good standing is not required. Rhode Island will verify home state license information.  All nonresident licensing is verified on the State Producer Licensing Database (“SPLD”).

Public and Company/Independent Adjuster licenses cannot be held simultaneously. Renewal applicants who currently have Rhode Island as a home state (adjuster DHS) must renew through the Non-Resident Renewal (No Home State) application. AgentSync can also help with the renewal process.

There is a fee of $130 to renew your producer license.

Rhode Island license renewal is required of all license-holders every two (2) years before the expiration date.

Non-Resident Adjuster licenses will be reciprocal with all states. Individual licenses will be issued based on reciprocity of the licensee’s “DHS” (DesignatedHome State). The licensee will be issued a Rhode Island license based on the type of adjuster license and “LOA” (Lines of Authority) held in the DHS.

Applicants are exempt from taking the Rhode Island exam only if they are licensed in their home state and their home state is one of the following reciprocal states: Connecticut, Kentucky, Maine, Michigan, New Hampshire, North Carolina, Oklahoma, South Carolina, Texas, Vermont, or Wyoming.

Non-Resident Adjusters in Rhode Island are only required to complete the Continuing Education (CE) requirements of their DHS. Additionally, a Non-Resident who is licensed as a public insurance adjuster in another state that has reciprocity agreement with Rhode Island is exempt from additional examination.

In Rhode Island, there is a license renewal fee of $250 – your Rhode Island adjuster license can be renewed online through an application on NIPR’s website.

For more information, contact the Rhode Island Department of Business Regulation.

Rhode Island adjuster license renewal is required of all license-holders every two (2) years before the expiration date. Resident Rhode Island adjusters are required to complete a total of twenty-four (24) hours of continuing education (CE), including three (3) hours of ethics coursework, to upkeep your adjuster license.

In Rhode Island, there is a license renewal fee of $150 – your Rhode Island adjuster license can be renewed online through an application on NIPR’s website.

For more information, contact the Rhode Island Department of Business Regulation.

*State specific rules and regulations can change. Please be sure to visit NIPR or the state’s website for the latest information.