What adjuster licenses does Texas issue?

Three, under 28 Texas Administrative Code section 19.602: all lines; property, casualty and surety; and workers' compensation, employer's liability and USL&H (U.S. Longshore and Harbor Workers' compensation). The all lines license goes to adjusters who qualify for both the property/casualty/surety and the workers' compensation types.

What does a Texas workers' compensation adjuster do?

A workers' compensation adjuster handles claims filed when employees are injured on the job: investigating the claim, coordinating medical benefits and managing indemnity payments under Texas workers' comp rules. It is a steady niche, less storm-driven than property work, with year-round caseloads at carriers and third-party administrators.

Which Texas adjuster license is best for catastrophe (CAT) work?

All lines is the broadest choice. Catastrophe deployments are mostly property claims, which a property and casualty license also covers, but many independent adjusting firms ask for all lines so they can assign you to any claim type.

Can I add another Texas adjuster license type later?

Yes. Each license type has its own qualifying course or exam, so you can start with one and add another as your career shifts.

Texas All Lines vs. Property & Casualty vs. Workers' Comp Adjuster License: Which Should You Get?

Q: Is there a personal lines adjuster license in Texas?

No. Texas does not issue a separate personal lines adjuster license. Homeowners, renters and personal auto claims are property and casualty claims, so you handle them with a property, casualty and surety license or an all lines license.

Most people searching "Texas adjuster license" don't realize Texas issues three adjuster licenses. Pick the right one and you're qualified for the work you want on day one. Here's the plain-English breakdown, based on the license types TDI defines in 28 TAC section 19.602.

The three licenses at a glance

	All Lines	Property, Casualty & Surety	Workers' Compensation
Claims you can handle	Property, casualty, surety and workers' comp	Property, casualty and surety: homeowners, renters, auto, commercial property, liability	Workplace injury claims, employer's liability, USL&H
Best for	Maximum flexibility, independent adjusting, CAT work	Property and auto claims, storm work, carrier staff roles	Carrier or TPA comp desks
Work rhythm	Surge-driven (storm season) plus year-round	Surge-driven plus year-round	Steady, year-round

There is no personal lines adjuster license in Texas. Homeowners and personal auto claims are property and casualty claims, so they fall under the property, casualty and surety license or the all lines license.

Each license has two ways in: pass the state adjuster exam, or complete a TDI-approved pre-licensing course for that license within 12 months of applying. Either way you also get fingerprinted and apply. (Full costs itemized in How Much Does a Texas Adjuster License Cost?)

Choose all lines if you want options

The all lines license covers everything the other two do: property, casualty, surety and workers' compensation. It is the common default for independent adjusting firms, because they can send an all lines adjuster to any claim type, including CAT deployments after hail and hurricanes.

If you're not sure which way your career will go, this is the answer. You take one course and never hit a licensing ceiling.

Choose property and casualty if you want storm and auto work

The property, casualty and surety license covers the claims most people actually file: homeowners, renters, personal and commercial auto, commercial property and liability. It is the right fit if you want property claims and storm work but don't plan to handle workplace injury claims.

Choose workers' comp if you want the steady niche

Workers' compensation adjusting is its own world: workplace injury claims, medical benefit coordination, indemnity payments and Texas comp rules. Carriers and third-party administrators staff comp desks year-round, and the caseloads don't depend on weather.

The honest recommendation

If you can only pick one and want the most career for your money: all lines. If you know you'll only work property and auto claims, property and casualty is enough.

Our TDI-approved courses cover all lines (course #147956) and property and casualty (course #147957), with the proctored final exam included. Our workers' compensation course is not yet TDI-approved. For the step-by-step process from enrollment to license number, read How to Get a Texas Adjuster License and Texas Adjuster License Requirements: Every Step Explained.