Texas All-Lines vs. P&C Adjuster License: Which Is Right for You?

When you’re ready to start your career as a Texas insurance adjuster, one of the first decisions you’ll face is choosing between the Texas All-Lines Adjuster License and the Texas Property & Casualty (P&C) Adjuster License. While both are valuable, there are key differences—and one option offers greater flexibility and long-term benefits.

At 2021 Training, we make it simple to understand your licensing options and choose the path that fits your goals.

What Is the Texas All-Lines Adjuster License?

The Texas All-Lines Adjuster License is the state’s most comprehensive license, qualifying you to handle a full range of insurance claims, including:

Property and Casualty (P&C): Home, auto, commercial, and property damage claims
Liability: Bodily injury and property damage liability
Workers’ Compensation: Workplace injury and benefits claims

This license is recognized across the U.S. and provides access to states with reciprocal licensing agreements, making it one of the most versatile credentials for insurance adjusters. If you want to maximize deployment opportunities—especially during catastrophes or out-of-state claims—this is the smarter choice.

What Is the Texas P&C Adjuster License?

The Texas Property & Casualty License covers:

Property Damage Claims: Homes, cars, and business property
Casualty Claims: Bodily injury and liability related to accidents

This license is limited compared to the All-Lines License. It does not include workers’ compensation claims. While it works for adjusters focusing strictly on property and casualty, most find they eventually need to upgrade to an All-Lines License for broader opportunities.

Hear What Our Students Say

Great online course to get your adjusting license. The course was very informative, and I had no issues passing the Exam.Customer Service responds promptly to any questions. I couldn't find the email with my log-in credentials and Customer Service responded to my email right away at 8:30 pm. They email your certification of completion promptly once you complete the course. They have videos to walk you through how to submit your application to the state.Glad I went with 2021 Training and wouldn't hesitate to recommend them to anyone else wanting to get their adjusting license.

I purchased the bundle containing Xactimate / Pre-Licensing / Practical Adjusting. The courses each have the right balance of PowerPoint style presentation with the instructor casually talking you through the information. Dave’s explanations are clear and thorough. There’s also quizzes throughout so you can confirm your understanding of the content before moving on to the next section. I was able to pass the state exam on my first attempt. I would highly recommend 2021 Training to anyone looking to learn more about the insurance industry.

I will be recommending to everyone I know who is interested in getting an adjusters license in Texas. The online class was great. I thought it was better than other online instructional classes I have taken. What really stood out though was the customer service! The one time I had a technical issue, even though it was on my end, I got a quick and helpful response. Even after I finished the course, when I called in they were very helpful. I plan on using them in the future for my CE credits. I can't complement them enough.

I had looked into some other schools however 2021 was quick to get back to me and answer any questions i had. Cherie was very helpful and kind and showed a great level of customer service, the courses were very well explained and easy to understand. I would highly recommend anyone looking to become an Adjuster or even just thinking about it. Give them a call, there customer service was mostly why i chose them and they have great prices aswell! I will continue to use in the future!

With so many options to chose from I can assure you that you will not regret this decision!! I will be a customer for Life!! They have a large selection of classes and I found them very informative and engaging at the same time. Cherie also went over and above to make sure my CE credits posted in time (I waited until the very last minute with my home license expiring on 10/31). Cherie even checked to make sure that it was showing that I was in compliance. Trust me it’s worth every penny!!

I am brand new and just getting started in the world of adjusting. I took the Practical Adjusting course online and I was very pleased with the instructor Dave and the information I received. I also took the online Xactimate training course and I've gone from never using the software to very confident using it. Great courses, would highly recommend to anyone.

When I decided I wanted to become a Claims Adjuster, I looked at many online programs and nothing comes close to 2021 Training (cost, courses, service, testing). I was a little worried b/c I wasn't really able to find reviews for it but believe me its the best and not to mention the great service. The gentleman giving the lecture isn't boring and gives plenty of examples. After you're done with the courses then you can take the test on the 2021 site. Make sure you do the course study guide while listening to the lectures and you should be fine. I also called in a few times b/c I had questions on filling the application and they helped guide me. Service was great as well.

Texas All-Lines vs. P&C License: Key Differences

Feature	All-Lines Adjuster License	P&C Adjuster License
Claims Covered	Property, Casualty, Liability, Workers’ Comp	Property, Casualty, Liability
Workers’ Compensation	✅ Included	❌ Not Included
Course Length	32 hours (less than 1 hour more than P&C)	32 hours
Renewal Requirements	Same CE and renewals as P&C	Same as All-Lines
Reciprocity	Accepted by most states	Limited
Career Flexibility	Maximum	Limited

Texas Adjuster License Requirements

To earn either license, you must:

Complete a state-approved adjuster pre-licensing course (32 hours online with 2021 Training).
Pass the required exam (waived if you take our approved course).
Submit your application and fingerprinting through the Texas Department of Insurance.

2021 Training guides you through each step, making the process simple and stress-free.

Why the All-Lines License Is the Better Investment

Minimal Extra Time: The only difference between the courses is a short workers’ compensation section—less than an hour in a 32-hour program.
Identical Renewal Requirements: Both licenses have the same continuing education (CE) and renewal rules.
Future-Proof Your Career: Avoid having to upgrade later. With an All-Lines License, you’re prepared for any type of claim from the start.
Greater Mobility: Many states recognize the Texas All-Lines License for reciprocity, making it easier to work nationwide.

Long story short: there’s no downside to getting the All-Lines License first.

FAQs About Texas Adjuster Licensing

Is the All-Lines License harder to get than P&C?

No—both require the same coursework and exam. The All-Lines adds only a brief workers’ compensation section.

Does the All-Lines License cost more?

The cost difference is minimal. Since the course length is nearly identical, you’re investing only slightly more for significantly greater flexibility.

Can I upgrade from a P&C License later?

Yes, but it requires additional training and paperwork. Most adjusters prefer to start with All-Lines to avoid this hassle.

Which license is better for out-of-state work?

The All-Lines License is widely recognized for reciprocity, making it the better choice for adjusters who want to travel for CAT deployments.

Start Your Adjuster Career with 2021 Training

At 2021 Training, our online adjuster courses are designed for busy professionals. With 24/7 access, interactive modules, and step-by-step guidance, you can get licensed on your schedule.

100% online training
State-approved curriculum
Support from experienced instructors
Affordable pricing with flexible options

Get started today and earn your Texas All-Lines Adjuster License—the license that sets you up for maximum opportunities.

(972) 767-7699