Which adjuster is hired by an insurance company?

The staff adjuster is an employee of the insurance company, which means they are directly hired and compensated by the insurer. Their main role is to evaluate claims, determine the extent of the insurance company’s liability, and help to process claims efficiently. Because they work specifically for the insurance company, staff adjusters are deeply familiar with the company’s policies, claims procedures, and underwriting guidelines.

In contrast, an independent adjuster is typically contracted on a freelance basis and works for multiple insurance companies rather than being tied to one particular insurer. A public adjuster represents the policyholder in negotiating a claim with the insurance company, advocating for the insured's interests rather than those of the insurer. A contract adjuster operates similarly to independent adjusters but often works on a temporary basis under specific contracts rather than on an ongoing employment basis. Therefore, the distinction of being hired and employed by the insurance company aligns directly with the definition of a staff adjuster.