Newfoundland & Labrador

Level I

May be issued to a person who has achieved at least 75% success on an adjuster license examination prescribed by the superintendent, or has equivalent qualifications acceptable to the superintendent.
Shall work only on behalf of his or her sponsor or the sponsor's employer.
During the first year following issue of the initial license may assess claims or engage in negotiation of an insurance settlement only under supervision of a person holding an adjuster Level III or IV license, who shall review and countersign a claim report or settlement offer submitted by the Level I licensee.

In addition a Level I adjuster must:

  • Work a minimum of 21 hours per week as an adjuster and be sponsored by a licenced Level IV Adjuster;
  • Work only on behalf of their sponsor or the sponsor’s employer
  • Work under the supervision of a Level III or IV adjuster who shall review and countersign any claim report or settlement offer submitted by the Level I licencee; and
  • Complete the requirements to qualify for an Level II adjuster licence and apply for a Level II licence within a three-year period immediately following issue of the initial adjuster’s Level I licence.

  • or
  • Equivalent qualifications acceptable to the superintendent

Level II

Shall complete the requirements to qualify for an adjuster Level II license and apply for a Level II license within the 3-year period immediately following issue of the initial adjuster Level I license. Failure to comply with this section shall be cause for suspension, revocation or cancellation of the Level I license.
May be issued to a person who has held an adjuster Level I license for at least 2 years.
Must have successfully completed all of the following courses of the Insurance Institute of Canada:
C12 (Insurance on Property)
C14 (Automobile Insurance — Part I)
C110 (Essentials of Loss Adjusting)
or C17 (Claims I)
or
Has equivalent qualifications acceptable to the superintendent

Level III

May be issued to a person who has held an adjuster Level II license for at least one year.
Must have successfully completed, within the 3 year period immediately preceding application, all of the following courses of the Insurance Institute of Canada: C13 (Insurance Against Liability)
C33 (Insurance on Property - Part II)
C46 (Claims II)
C43 (Casualty Covers)
or
Has equivalent qualifications acceptable to the superintendent.

Level IV

May be issued to a person who has held an adjuster Level III license for at least one year
Must have successfully completed, within the 7 year period immediately preceding application, the A.I.I.C. program of the Insurance Institute of Canada, including all of the following courses:
C32 (Bodily Injury Claims)
C16 (Insurance Organization, Accounts and Finance)
2 optional courses
or
Has equivalent qualifications acceptable to the superintendent.

* Sponsorship Limit

A person holding an adjuster Level IV license shall not sponsor more than 5 persons holding adjuster Level I licenses.