Staff Adjuster or Independent Adjuster

Life is full of choices requiring carefully considered decisions. A career change is loaded with such options and choices.  A hastened miscalculation could cost you dearly in the long run. In the world of Insurance Adjusting the main decision that needs to be made, is which type of Adjuster is the best fit for you… Staff Adjuster, or Independent Adjuster.

Let’s take a look at the pros & cons of each;
Staff Adjuster or Independent Adjuster


They are employed by a local insurance company. The claims worked are only those in the area the insurance company operates, usually that city and the surrounding communities.

A Staff Adjuster pretty much works a typical work week, Monday through Friday 8 to 5. But, since bad things happen 24/7 all year long, you can expect to rotate with the other Adjusters for the “on-call” position to handle the after hour emergencies and weekend mishaps. Good news is, you always sleep in your own bed come nighttime!

As a locally employed Adjuster, you are rarely away from friends and family. No missed birthdays or anniversaries. Occasionally a major event requires a short deployment, but for the most part, you enjoy all the fringe benefits of being at home with the ones you love.

Since working claims locally is a walk in the park compared to the difficulties faced by Independent Adjusters, the pay is commensurate to that level of uncomplicated production.  Income ranges between $40,000 and $60,000.


As the name implies, you are an independent contractor working with multiple Adjusting Firms. The work requires you to deploy to other parts of the country, and stay there until you have completed the claims assigned to you. That can be a few weeks, several months or a year or more.

These deployments are the result of some sort of disaster, so you are going to be dealing with things like adverse environmental conditions, fully booked hotels, downed power lines, no cell phones or WiFi, road closures and claim owners who are often hysterical and panicked.

You work 12 to 16 hours a day, seven days a week. It can be brutal and overwhelming. This is not for the timid or fainthearted.

As you would expect, the incentive to get people to do this has got to be excessive! An Independent Adjuster earns between $120,000 and $150,000 working on average just 6 months of the year.

So which looks best to you? Not sure? Consider this, there are more Staff Adjusters than Independent Adjusters. A lot of younger people want to bank away some money as and Independent Adjuster, with a long term goal of settling down to the local and more comfortable lifestyle of the Staff Adjuster. If you are certain that all you will ever want to do is to be an Independent Adjuster, take the Property & Casualty course. If you think you will switch down the road, take the All Lines course (it is good for either).



If you are ready for a career change, click… ..GET STARTED!