22 GCA § 15904: Exceptions to License Requirement.

The definition of adjuster shall not be deemed to include, and a license as an adjuster shall not be required of the following:

(a) attorneys-at-law admitted to practice on Guam, when acting in their professional capacity as an attorney;

(b) a person employed solely to obtain facts surrounding a claim or to furnish technical assistance to a licensed adjuster;

(c) an individual who is employed to investigate suspected fraudulent insurance claims but who does not adjust losses or determine claims payments;

(d) a person who solely performs executive, administrative, managerial or clerical duties, or any combination thereof, and who does not investigate, negotiate or settle claims with policyholders, claimants or their legal representative;

(e) a licensed health care provider or any of its employees who provides managed care services so long as the services do not include the determination of compensability;

(f) a managed care organization or any of its employees or an employee of any organization providing managed care services so long as the services do not include the determination of compensability;

(g) a person who settles only reinsurance or subrogation claims;

(h) an officer, director, manager, or employee of an authorized insurer, surplus lines insurer, a risk retention group, or an attorney-in-fact of a reciprocal insurer;

(i) a U.S. Manager of the United States branch of an alien insurer;

(j) an employee who coordinates with a licensed adjusting firm acting as a Third-Party Administrator (TPA) for a self-insured arrangement, and who does not engage in the direct adjustment of claims;

(k) a licensed insurance producer, attorney-in-fact of a reciprocal insurer, or a managing general agent of the insurer to whom claim authority has been granted by the insurer; or

(l) an “appraiser” who is employed by an insurer specifically for the purpose of valuing damage resulting from claims related to a declared “catastrophe” to alleviate the immediate and substantial workload placed on the licensed adjusting staff due to the effects of a catastrophe.