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New York License Blog Part 2

This is part 2 of our New York License Blog. Click here to read part 1 if you have not already done so!


We know you are excited to move forward and we are excited to help you! Before we go any further, it is important for you to understand the options available to you to ensure you get the most out of this investment.

New York issues licenses based on the exam you pass that correlates with the Line of Authority (LOA). If you have any kind of adjuster license, you are probably familiar with LOA’s. The LOA, in this state as well as others, grants you the authority to adjust claims associated with a particular line of business. The difference with New York, compared to other states, is you have to pass an exam for each LOA that is associated with your license.

Before you start the application process, decide what LOA you want/need. Eberl recommends obtaining General LOA as this line of authority encompasses all lines with only one exam. Passing the General exam will enable us to consider you for the widest selection of assignments as well as give you the peace of mind knowing your General LOA will allow you to work any claim in NY at any time as long as your license remains active.

Adding an LOA later will require you to pass the exam for that specific limited LOA and submit additional information to the DOI to update your license.


  1. Pass the exam. Be sure to first study using the resources given below.
  2. Get fingerprinted. Specific instructions can be found on the NY DOI website.
  3. Purchase required bond in the amount of $1000 to cover the licensing period.
  4. Obtain 5 Certificates of Character.
  5. Submit an application online using the new electronic application portal. All the above documents are required to be uploaded with the application at the time of submittal.

*Application fee will vary based on the application submission date.


For studying, we highly recommend utilizing Adjuster Pro and Insurance Schools. Eberl has partnered with these two premier resources to offer a 20% discount on courses to assist you with passing this exam. Be sure to contact our licensing department for those discount codes!

For further details regarding each of the steps above, please visit the New York Dept of Financial Services website.

Please contact our Licensing Department with any questions:

Eberl Claims Service

Author Eberl Claims Service

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