NAICS UNIVERSITY · Free research for insurance agents
Claims Adjusting
NAICS 524291 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in investigating, appraising, and settling insurance claims.
Activities described by this code
Other activities to examine
Census classification reference
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Claims adjusting establishments investigate, evaluate, and settle insurance claims on behalf of insurers or, in the case of public adjusters, on behalf of policyholders. Day-to-day work typically involves field inspections, damage appraisals, coverage analysis, negotiation with claimants or carriers, and preparation of settlement documentation. Operations may be office-based, field-based, or both depending on claim type and volume.
Questions to investigate
- Does the firm handle claims on behalf of insurers (independent adjuster) or on behalf of policyholders (public adjuster)?
- What types of claims are handled — personal lines property, commercial property, casualty, specialty lines, or CAT events?
- Are field adjusters using personal vehicles, company-owned vehicles, or both for site inspections?
- How is sensitive claimant data stored and protected — cloud-based systems, local servers, or paper files?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.