Your adjuster license earns — no deployment required.
The villain is not the carrier, not the IA firm, and not AI. It is the roster stack: the fixed apparatus — roster sign-ups, deployment calls, travel, someone else’s fee computation after the file closes — that makes small, honest units of adjusting work uneconomical, and makes moonlighting without it an E&O and licensure trap.
The Designated Home State path is real, filed machinery: Texas grants DHS all-lines adjuster licenses to residents of non-licensing states, and reciprocity hangs off that anchor. Here it is computed per state and line — never eyeballed by a roster coordinator.
What a file pays is your first question, and it deserves a number, not adjectives. The working File Fee band posts here the moment real files price it — file fee band–·–posts when first live fee data resolves — and until then the band and the 10–30 minute review target stay exactly what they are: design targets, not measured facts.
Carrier / MGA → Claims-Handling Agreement → the platform’s own licensed TPA (Delegated Authority; merchant of record; pays your File Fee) → you, under your own license, in your own judgment.
You are an independent adjuster engaged by a licensed claims administrator — not a freelancer invoicing a carrier that has never heard of you. The regulatory relationship with the carrier is the platform’s burden; the judgment is yours. Nothing becomes attestable until E&O naming you is in force — that is a hard gate, and its status is tracked openly on the next slide — and work reaches you only inside your license, your states, your lines of authority, with fresh standing.
Adjuster licensing is per state and line of authority, and P&C claims administration is regulated as adjusting — which is why eligibility here is a hard lattice (license × state × line × standing × E&O), evaluated fresh per file.
Candour that runs both directions. What a carrier buys through this platform is not labor — it is a decision with liability behind it: your Attestation under your own license, E&O in force naming you, inside a Claims-Handling Agreement a regulator can examine. That is why AI repricing the file work around the decision does not reprice the decision: a signature that carries risk is priced as risk, not as hours.
The master E&O program naming rostered independent adjusters is commercially assumed but not yet quoted; underwriter appetite for AI-prepared files is the real question, and nothing is attestable before coverage is in force. Stated pending, because the coverage promise is the load-bearing one.
That fact is your floor, and the platform is built to pay you for it rather than around it: the flat fee prices your judgment and the liability you carry — never the outcome, never the indemnity number, never the hours.
gigs.claims and api.insure are not two businesses: they are the supply door and the demand rail of one licensed operating company — the cell. A calling agent enters at api.insure, the reserved act lands here with a licensed adjuster, and the result returns to the caller — business to human to agent (B2H2A), the only motion any gigs.* door runs, because a statute names a person. One membership is built to aggregate what a dozen IA-firm rosters cannot: demand that does not depend on the weather, routed from every brand in the estate whose workflow reaches a licensed adjusting act.
Adjusting is licensed state by state, for the entity as well as the individual. Both licensure tracks are in progress; no claim routes before the entity, its Delegated Authority, and its coverage exist. Early access means exactly that — verification is real before the word “verified” is.
Apply for early access — adjusters verified before marketplace-live hold first-file priority in their licensed states when routing begins. Or read the fee memo first — how the money works, what delegated authority means, who insures what, and why the platform is building its own licensed TPA — one page, citation-grade, written to be forwarded before you touch an outside file.