Division of Insurance - Individual Licensees

Choose one of the following Insurance Licensing categories. If you are unable to find an answer to your question, please send us an email to dbr.inslic@dbr.ri.gov

Online Producer Licensing:

All resident and non-resident applicants can apply or renew an Insurance Producer License online at www.NIPR.com

Need to update your license with a new name and/or address?

Producer Lines of Authority

An insurance producer may receive qualification for a license in one or more of the following lines of authority:

Major Lines (exam required)

  • Life Insurance
  • Accident and Health or Sickness Insurance
  • Property Insurance
  • Casualty Insurance
  • Personal Lines – Property and Casualty Insurance
  • Variable Life and Variable Annuity Insurance

Core Limited Lines

  • Car Rental Insurance
  • Credit Insurance
  • Crop Insurance
  • Travel Insurance

Non-Core Limited Lines

  • Pet Insurance
  • Life Settlement Broker
  • Surety

Individual Producer Licensing:

Business Entity Licensing:

  • At least one (1) Designated Responsible Licensed Producer (DRLP) must be provided on the application and have an active resident or non-resident license in Rhode Island.
  • DRLPs are not required to cumulatively cover the lines of authority (LOAs) on the business application.

  • Address changes to Business Entity Licenses can be completed online through SBS for Organizations or submitted directly to us via email to dbr.inslic@dbr.ri.gov.

230-RICR-20-50-2 - Governing Regulation for Continuing Education for Insurance Producers

For Providers:

For Producers:

All residents and nonresidents can apply or renew an adjuster license at www.NIPR.com

Independent and Company Insurance Adjuster Licensing:

  • Rhode Island resident independent and company adjusters: Before you apply for a license at NIPR you must wait 3-5 days for your exam results to be loaded for electronic validation. You cannot move through the application and apply for your line of authority without the exam results loaded in the backend system. You will need to obtain a B.C.I. (State Background Check) from the RI Attorney General and send it to dbr.inslic@dbr.ri.gov. We will not accept a B.C.I. that is over 30 days old.
  • Non-residents New applicants: All new non-resident applicants should be licensed in their resident state if their resident state offers independent adjuster licensing. If a company/staff adjuster’s resident state offers a resident independent adjuster license and does not restrict a company/staff adjuster from obtaining that license, the adjuster should hold the independent adjuster license in that state to be eligible for a non-resident license in RI. We understand that there are jurisdictions awarding DHS status to these individuals in lieu of requiring a resident license, and we will continue to reciprocate with an active DHS in lieu of requiring the resident license in these exact situations until December 31, 2028. Renewals: Insurers should be mindful of resident licensing requirements for non-resident company/staff adjusters and adjust their internal procedures accordingly. We will continue to reciprocate with an active DHS in lieu of requiring the resident license in these situations until December 31, 2028.

Available Lines of Authority:

  • Property & Casualty
  • Workers Compensation
  • Crop (no exam required)

Public Adjuster Licensing:

Rhode Island resident public adjusters: Before you apply for a license at NIPR you must wait 3-5 days for your exam results to be loaded for electronic validation. You cannot move through the application without the exam results loaded in the backend system. You will need to obtain a B.C.I. (State Background Check) from the RI Attorney General and send it to dbr.inslic@dbr.ri.gov. We will not accept a B.C.I. that is over 30 days old.

Non-resident public adjusters: Before you apply for a license at NIPR you must have an active resident license in your resident state on the Producer Database (PDB).

Emergency Adjuster Licensing:

  • All residents and non-residents can apply or renew a RI Surplus Line Broker License online at www.NIPR.com .
    • The license fee is $100
       
  • New RI Resident Applicants
    • There is no licensing exam.
    • You must hold an active Insurance Producer license.
       
  • New Non-Resident Applicants
    • You must hold a reciprocal license in your resident jurisdiction.
       
  • All renewal Applicants
    • Please note that the Insurance Division works directly with the Division of Taxation to receive clearance for all SLB License renewals; clearance is provided when all taxes have been filed in accordance with the Division of Taxation requirements.
      ​​​​​​​
  • RI DOR Division of Taxation Surplus Lines Filing Change Advisory Notice.​​​​​​​
  • Effective 01/01/2020, all Life Settlement Provider applications will be processed through www.NIPR.com.
  • After renewing on NIPR, the electronic application will pended to our licensing team for review. To complete the application, you are required to submit the annual report no later than March 1st to DBR.InsLic@dbr.ri.gov.
  • Life Settlement Provider Regulation 230-RICR-20-60-10
  • In accordance with RI Gen. Laws § 27-72-3, a life insurance producer who has been duly licensed as a resident insurance producer with a life line of authority in this state or their home state for at least one year and is licensed as a nonresident producer in this state shall be deemed to meet the licensing requirements of this section and shall be permitted to operate as a broker.
  • All resident and non-residents can visit www.nipr.com to either amend their license or to apply for a license.

Online Title Licensing:

  • All residents and non-residents can apply or renew a Title Insurance License online at www.NIPR.com .
  • Click here for all Title Insurance Guidelines.
     
  • Click here for more information about the Rhode Island Title Insurers Act.
  • All residents and non-residents can apply or renew a Reinsurance Intermediary Broker or Manager License online at www.NIPR.com.
    • RI resident applicants are required to hold an active Rhode Island Insurance Producer license prior to applying.
    • Non-resident applicants are required to hold both an active resident insurance producer license and a reciprocating reinsurance license in the applicant’s resident state prior to applying.
  • Reinsurance intermediary licensing is governed by RI Gen Laws § 27-52-3.
Licensing Fees Resident Fee Non-Resident Fee
Biennial Licenses
Insurance Producer  $          120.00  $                     130.00
Title  $          120.00  $                     130.00
Life Settlement Broker  $          120.00  $                     130.00
Independent/Company Adjuster  $          250.00  $                     250.00
Public Adjuster  $          250.00  $                     250.00
Motor Vehicle Damage Appraiser  $          150.00  $                     150.00
Portable Electronics Vendor  $          200.00  $                     200.00
Reinsurance Intermediaries  $          200.00  $                     200.00
Surplus Line Broker  $          100.00  $                     100.00
Annual Licenses
Third Party Health Insurance Administrators - Certificate of Authority  $          250.00  $                     250.00
Third Party Health Insurance Administrators - Waiver Certificate  $          250.00  $                     250.00
Third Party Health Insurance Administrators - ERISA Exempt Registration  $                   -    $                              -  
Other Fees
License Line of Authority Amendment  $            50.00  $                       50.00
Reinstatement Fee  $            50.00  $                       50.00
Returned Check Fee  $            25.00  $                       25.00

We have partnered with SBS for Organizations to allow licensees and licensing administrators better access and more control over notifications regarding Rhode Island Licenses. SBS for Organizations has options that will allow a licensee or license administrator to receive reminders about CE, renewal dates, and other changes to their licenses. For more information, please visit at www.StateBasedSystems.com or by call the SBS Help Desk at 816-783-8990 between the hours of 8 a.m and 5 p.m. CST, Monday through Friday (except holidays).

Exam Series Code     First Time Takers  
  Exam Total Graded Total Passed Pass Rate
in-person exams        
         
InsRI_Prop03 Rhode Island Property Producer 80 54 68%
InsRI_Cas04 Rhode Island Casualty Producer 81 60 74%
InsRI_Pers55 Rhode Island Personal Lines Producer 112 75 67%
InsRI_Life01 Rhode Island Life Producer 331 199 60%
InsRI_Health02 Rhode Island Accident and Health Producer 201 108 54%
InsRI-AutoAp38 Rhode Island Motor Vehicle Damage Appraiser 198 189 95%
InsRI-PCAdj14 Rhode Island Property Casualty Adjuster 277 212 77%
InsRI-WC18 Rhode Island Workers' Compensation Adjuster 27 21 78%
InsRI-PubAdj17 Rhode Island Public Adjuster 4 1 25%
         
remote proctored exams        
         
OPProp03 Rhode Island Property Producer 44 26 59%
OPCas04 Rhode Island Casualty Producer 44 31 70%
OPLife01 Rhode Island Life Producer 198 132 67%
OPHealth02 Rhode Island Accident and Health Producer 97 55 57%
OPPers55 Rhode Island Personal Lines Producer 11 7 64%
OPAutoAp38 Rhode Island Motor Vehicle Damage Appraiser 155 144 93%
OPPCAdj14 Rhode Island Property Casualty Adjuster 67 53 79%
OPWC18 Rhode Island Workers' Compensation Adjuster 14 8 57%
OPPubAdj17 Rhode Island Public Adjuster 10 2 20%