Which adjuster is self-employed and compensated on a fee-plus-expenses basis for each loss handled?

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

Answer: (A)

Independent adjusters are typically self-employed contractors who work for insurance companies on an as-needed basis, handling losses for which they are paid a fee for each file plus reimbursement of ordinary expenses incurred while adjusting the claim. This fee-plus-expenses arrangement fits their role as independent contractors rather than employees.

Company adjusters are salaried employees of an insurance company, not self-employed. Public adjusters work for the insured and are usually paid a percentage of the settlement (a contingent fee), not a per-loss fee plus expenses. A separate category called “fee adjuster” isn’t a standard designation; the role described is best matched by an independent adjuster.