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All-Lines vs. P&C (Property and Casualty)

Texas P&C License or Texas All Lines License for Insurance Adjusting?

What is the difference between a Texas All-Lines Adjuster License and a Texas P&C License?

Answer:  Only the ability to handle workers compensation claims.

When choosing between the Texas All-Lines Adjuster License and the Texas Property & Casualty (P&C) Adjuster License, it’s essential to understand the key differences—and why, for most adjusters, the All-Lines License offers a more versatile and beneficial path. Let’s break down the two options:

Texas All-Lines Adjuster License

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

  • Property and Casualty (P&C): Residential, commercial, auto, and property damage.
  • Liability: Coverage for bodily injury or property damage claims.
  • Workers’ Compensation: This is the main difference from the P&C license, as it allows you to work on claims related to workplace injuries and related benefits.

This license is ideal if you’re looking for the flexibility to work with a variety of claims or want to maximize your deployment options for out-of-state claims, especially for areas experiencing disasters. Having an All-Lines license also means you’ll have access to opportunities in states with reciprocal licensing agreements with Texas. It’s widely recognized across the U.S., enhancing your mobility and employability as an adjuster.

Texas Property & Casualty (P&C) Adjuster License

The Texas P&C License is more specialized, covering only property and casualty claims. This includes:

  • Property Damage Claims: Such as those related to homes, cars, and businesses.
  • Casualty Claims: Including bodily injury and liability resulting from accidents.

This license is an option if you’re focused on handling only property and casualty cases and don’t plan to work on workers’ compensation claims. However, if you later need to expand into other areas or work out-of-state, you’ll need to upgrade to an All-Lines license.

Why All-Lines is a Smarter Choice

The Texas All-Lines License offers more flexibility, and here’s why it’s worth considering right from the start:

  1. Minimal Additional Time Investment: The All-Lines adjuster course is almost identical to the P&C course, with only a brief additional section covering workers’ compensation—less than an hour of added study in a 32-hour online program.
  2. Identical Renewal Requirements: Both licenses require the same continuing education and renewal processes, so there’s no additional upkeep with an All-Lines License.
  3. Future-Proof Your Career: By initially getting the All-Lines License, you’re setting yourself up to handle any type of claim, avoiding the hassle of returning to update your license if your scope of work changes.

Take The First Step to Become an Insurance Adjuster Today

Becoming an insurance adjuster is easier than you think, and 2021 Training offers step-by-step guides and courses to help you accomplish your goals. Your new career is just around the corner. Sign up today and get started!

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Get Your License the Easy Way with 2021 Training

2021 Training makes it simple and convenient to complete your insurance adjuster training. Our courses are 100% online and can be completed from anywhere, fitting seamlessly into your schedule. With clear, concise modules and full coverage of all necessary topics, 2021 Training is designed to get you licensed quickly and effectively. Many adjusters appreciate the flexibility of online learning and find it straightforward to complete the course and pass their licensing exam through 2021 Training.

Whether you’re just starting or expanding your career in insurance adjusting, getting your Texas All-Lines Adjuster License through 2021 Training will set you up with the versatility and credentials to handle any claim.

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