Texas Adjuster vs. Agent CE: What's Different and What Counts

If you hold both an agent license and an adjuster license in Texas — or you're thinking about adding one to the other — understanding the CE differences between them matters. The rules aren't identical, and mixing them up can cost you time, money, or even your license.

Here's a clear breakdown of what's different and what actually counts.

Texas Agent CE Requirements

Licensed agents in Texas must complete 24 hours of continuing education every 2 years, with:

3 hours in ethics

21 hours in general approved insurance topics

This applies to Life, Health, Property, Casualty, and any other line of authority an agent might hold. The hours are combined across all lines — you don't multiply by the number of licenses.

Texas Adjuster CE Requirements

Licensed adjusters in Texas must also complete 24 hours of continuing education every 2 years, with a similar structure:

3 hours in ethics

21 hours in approved adjuster-related topics

While the total hour requirement looks the same as an agent's, the approved topics differ. Adjuster CE focuses on claims handling, investigation, damage assessment, and adjuster-specific ethics — not product sales or underwriting.

The Key Differences

Courses designed for agents generally won't count toward adjuster CE — and vice versa. Some overlap exists in ethics and general insurance law, but most product-focused courses are agent-only.

What If You Hold Both Licenses?

This is where it gets interesting. If you're licensed as both an agent and an adjuster, the good news is that Texas doesn't require you to double up — a single 24-hour completion can satisfy both requirements if the courses are approved for both credentials.

Not every course qualifies for dual credit. Before enrolling, check that the course is approved for both agent and adjuster CE. Many ethics courses and some general law courses are dual-approved.

If the courses you take are only approved for one license type, you'll need separate hours for each.

What Counts Across Both Credentials

Regardless of whether you're an agent or adjuster, these are the general rules for what counts:

Course must be taken through a TDI-approved provider

You must complete and pass any required course assessment

The provider reports your completion directly to TDI

Hours must be completed within your 2-year renewal cycle

5 Frequently Asked Questions

• Can agent CE courses count toward my adjuster CE? Only if the course is specifically approved for both. Most pure product or sales courses are agent-only.
• Do I need separate ethics hours for my agent and adjuster licenses? Not necessarily. If you find a dual-approved ethics course, those 3 hours can cover both licenses at once.
• Are non-resident adjusters in Texas subject to the same CE rules? Non-resident adjusters typically meet Texas CE through their home state's requirements if that state has equivalent standards. Check TDI for specifics based on your home state.
• Does claims handling experience substitute for CE hours? No. Real-world experience doesn't reduce your CE requirement. You must complete the hours through approved courses regardless of how active you are in the field.
• What happens if I let my adjuster license lapse but keep my agent license active? Your agent license remains valid if you keep up with agent CE. But reinstating the adjuster license requires catching up on missed adjuster CE plus reinstatement fees.

Get CE That Works for Your License

Whether you're an agent, adjuster, or both, at JustInsurance we offer TDI-approved CE courses designed to fit your specific credential. No guessing, no wasted hours.

Browse our Texas CE courses and stay compliant without the hassle.