S 196 — Insurance Adjusters
Last action — Effective date 05/19/26
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✓Introduced
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✓In Committee
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✓Passed Senate
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✓Passed House
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✓To Executive
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6Enacted
This bill has been enacted into law. Introduced January 14, 2025. Enacted.
Signed by Governor Henry McMaster (Republican) on May 19, 2026.
Prognosis
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
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Enacted
Current position in the legislative process.
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1 sponsor
1 primary, 0 co-sponsors signed on.
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Cleared a recorded vote
Passed 2 recorded votes so far.
Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.
In plain language
The bill regulates the licensure of insurance and public insurance adjusters in South Carolina.
This bill amends South Carolina laws to establish new regulations for insurance adjusters and public insurance adjusters. It also repeals previous chapters related to these roles.
Summary
AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER 91 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF INSURANCE ADJUSTERS, AMONG OTHER THINGS; BY ADDING CHAPTER 92 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF PUBLIC INSURANCE ADJUSTERS, AMONG OTHER THINGS; TO AMEND SECTION 38-1-20, RELATING TO DEFINITIONS, SO AS TO PROVIDE A DEFINITION; AND BY REPEALING CHAPTERS 47 AND 48 OF TITLE 38 RELATING TO INSURANCE ADJUSTERS AND PUBLIC INSURANCE ADJUSTERS. - RATIFIED TITLE
Bill Text
What changed in the latest version
28 added · 48 removedPlain-language change summary
The latest version of Bill S 196 includes a new chapter that defines specific terms and establishes licensing requirements for public adjusters, including the need for an examination and provisions for exemptions. Additionally, it outlines the standards of conduct for public adjusters and stipulates that only director-approved continuing education courses will count towards meeting ongoing education requirements. These changes aim to create clearer regulations and a more accountable framework for public adjusters, helping to ensure better service and protection for consumers.
2025-2026 Bill 196 Text of Previous Version (Apr.(Jan.
16,14, 2025) - South Carolina Legislature Online South Carolina General Assembly126th Session, 2025-2026Bill 196Indicates Matter StrickenIndicates New Matter(Text matches printed bills.
Document has been reformatted to meet World Wide Web specifications.) Indicates Matter Stricken Indicates New Matter Committee ReportA Aprilbill 16, 2025TO AMEND S.THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER TO TITLE 38 SO AS TO DEFINE TERMS, ESTABLISH LICENSURE REQUIREMENTS, EXEMPTIONS, AND TYPES OF LICENSES, REQUIRE AN EXAMINATION FOR LICENSURE, PROVIDE EXEMPTIONS FOR EXAMINATION, REQUIRE CONTINUING EDUCATION, ESTABLISH A PROCESS FOR RENEWAL, SET STANDARDS OF CONDUCT FOR ADJUSTERS, AND TO PROVIDE FOR THE DENIAL, NONRENEWAL, OR REVOCATION OF A LICENSE AND PENALTIES, AMONG OTHER THINGS;
196 Introduced by Senator Cromer S.
Printed 4/16/25--S.
Read the first time January 14, 2025 ________ The committee on Senate Banking and Insurance To whom was referred a Bill (S.
196) to amend the South Carolina Code of Laws by adding Chapter 91 to Title 38 so as to define terms, establish licensure requirements, exemptions, and types of licenses, etc., respectfully Report:
That they have duly and carefully considered the same, and recommend that the same do pass:
RONNIE CROMER for Committee.
_______ A bill TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER TO TITLE 38 SO AS TO DEFINE TERMS, ESTABLISH LICENSURE REQUIREMENTS, EXEMPTIONS, AND TYPES OF LICENSES, REQUIRE AN EXAMINATION FOR LICENSURE, PROVIDE EXEMPTIONS FOR EXAMINATION, REQUIRE CONTINUING EDUCATION, ESTABLISH A PROCESS FOR RENEWAL, SET STANDARDS OF CONDUCT FOR ADJUSTERS, AND TO PROVIDE FOR THE DENIAL, NONRENEWAL, OR REVOCATION OF A LICENSE AND PENALTIES, AMONG OTHER THINGS;
----XX---- This web page was last updated on AprilJanuary 16,14, 2025 at 07:0512:36 PM
Action History
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Effective date 05/19/26
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Act No. 209
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Signed By Governor
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Ratified R 132
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Read third time and enrolled
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Roll call Yeas-108 Nays-1
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Read second time
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Debate adjourned until Tues., 5-5-26
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Debate adjourned
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Debate adjourned
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Scrivener's error corrected
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Committee report: Favorable Labor, Commerce and Industry
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Referred to Committee on Labor, Commerce and Industry
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Introduced and read first time
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Read third time and sent to House
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Roll call Ayes-42 Nays-0
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Read second time
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Scrivener's error corrected
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Committee report: Favorable Banking and Insurance
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Referred to Committee on Banking and Insurance
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Introduced and read first time
Sponsors
- Senator Ronnie W. Cromer · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 0 co-sponsors · 169 not signed on · 1 voted No
Sponsors (1)
Co-sponsors (0)
None.
Not signed on (169)
169 members have not signed on to this bill.
Show all 169 →"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 104 | 1 | 0 | 15 |
| Republican | 2 | 0 | 0 | 0 |
| Democrat | 2 | 0 | 0 | 0 |
| Total | 108 | 1 | 0 | 15 |
| % of votes cast | 87% | 1% | 0% | 12% |
How each member voted (124)
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 42 | 0 | 0 | 3 |
| Total | 42 | 0 | 0 | 3 |
| % of votes cast | 93% | 0% | 0% | 7% |
How each member voted (45)
Subjects
Frequently asked questions
- What does S 196 do?
- AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING CHAPTER 91 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF INSURANCE ADJUSTERS, AMONG OTHER THINGS; BY ADDING CHAPTER 92 TO TITLE 38 SO AS TO REGULATE THE LICENSURE OF PUBLIC INSURANCE ADJUSTERS, AMONG OTHER THINGS; TO AMEND SECTION 38-1-20, RELATING TO DEFINITIONS, SO AS TO PROVIDE A DEFINITION; AND BY REPEALING CHAPTERS 47 AND 48 OF TITLE 38 RELATING TO INSURANCE ADJUSTERS AND PUBLIC INSURANCE ADJUSTERS. - RATIFIED TITLE
- Who sponsors S 196?
- S 196 is sponsored by Senator Ronnie W. Cromer.
- What is the current status of S 196?
- This bill has been enacted into law. Introduced January 14, 2025. Enacted.
- Where can I track S 196?
- Track S 196 free on One Click Politics — get push/email alerts when it moves.
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