What type of adjuster is employed by a bureau on a contract basis?

The correct answer is independent adjuster, as they are typically employed by insurance companies or other organizations on a contractual basis to handle claims. Independent adjusters offer flexibility for the hiring party, allowing them to manage fluctuating claims volumes without adding permanent staff. This arrangement is beneficial in situations where an insurance company may not have enough in-house staff to handle claims efficiently, particularly during peak times or in specialized cases that require additional expertise.

In contrast, a staff adjuster is typically a full-time employee of an insurance company, which means they are not contracted but rather have a more permanent employment status. Public adjusters represent the policyholders and work on their behalf to negotiate claims with insurance companies, unlike independent adjusters, who work for the insurers. The term claims adjuster is a general term that can sometimes refer to both staff and independent adjusters, but it does not specifically denote the contract employment status that characterizes independent adjusters.