Which adjuster is an employee or agent of an adjustment bureau serving multiple company clients?

• A. Bureau Adjuster
• B. Company Adjuster
• C. Independent Adjuster
• D. Public Adjuster

Answer: (A)

Focus on how the adjuster is employed. A bureau adjuster works for an adjustment bureau that provides claims handling services to several different insurance companies. Because the adjuster is employed by that bureau, they can serve multiple insurer clients rather than being tied to a single company. This is the distinguishing feature: an employee or agent of a bureau that serves many insurers.

In contrast, a company adjuster is on the payroll of one insurer and handles only that company's claims. An independent adjuster is usually a contractor who handles claims for various insurers but operates independently of a single bureau. A public adjuster represents the insured, not the insurer, to negotiate settlements.