Los Angeles Claims Adjuster Practice Exam – Comprehensive Property and Casualty Prep 2026

Independent adjusters are those who are contracted by insurance companies to evaluate and settle claims on their behalf. They are not employees of the insurance companies but rather work as outside contractors. This flexibility allows them to operate with multiple insurers and handle various claims, offering their expertise when companies need additional support, especially during high-volume periods like natural disasters or large-scale incidents.

This role is distinct from others like staff adjusters, who are directly employed by insurance companies, public adjusters, who represent policyholders in negotiating their claims, and field adjusters, a term that can refer to any adjuster working on-site but does not specify their relationship with the insurance company. Independent adjusters fill a unique niche that leverages their ability to manage claims for multiple insurers based on demand.