Financial Services · Tampa Bay, FL
Tampa Bay has the highest claims adjuster concentration of the 29 metros on our financial services pages, but its analysts earn about 22% below the U.S. median. Careerscape staffs these insurance and finance seats remotely, through a national team of recruiters who specialize by industry.
Why insurance
Tampa Bay employs 7,240 claims adjusters, examiners and investigators, a location quotient of 2.4. No metro on our financial services pages has a higher concentration. Insurance underwriters (2,070 jobs, LQ 2.11) and actuaries (350, LQ 1.41) are also deeper than the U.S. average.
Demand for those skills moves with Florida's property-insurance market. Storm seasons, rate changes and the movement of policies between the state-backed Citizens Property Insurance Corporation and private carriers all change how many underwriters and adjusters carriers need, and a bad season sends every carrier looking for the same people at once.
Wealth management is the other anchor. Raymond James, headquartered in St. Petersburg, reported a record $1.73 trillion in client assets under administration on September 30, 2025.
BLS May 2025
BLS May 2025 estimates for the Tampa-St. Petersburg-Clearwater metro, all industries. A location quotient above 1 means the job is more common here than in the U.S.
| Occupation | Jobs in metro | Median pay · vs. U.S. | Concentration |
|---|---|---|---|
| Financial and Investment Analysts | 5,370 | $79,910−22% | 1.60 |
| Accountants and Auditors | 14,770 | $78,990−6% | 1.09 |
| Financial Managers | 8,500 | $157,480−5% | 1.08 |
| Loan Officers | 3,850 | $72,220−6% | 1.51 |
| Securities, Commodities, and Financial Services Sales Agents | 6,950 | $69,160−12% | 1.53 |
| Credit Analysts | 820 | $78,940−5% | 1.36 |
| Insurance Underwriters | 2,070 | $78,350−4% | 2.11 |
| Claims Adjusters, Examiners, and Investigators | 7,240 | $77,990±0% | 2.40 |
| Personal Financial Advisors | 3,660 | $82,580−21% | 1.47 |
| Compliance Officers | 4,110 | $75,920−6% | 1.06 |
| Actuaries | 350 | $106,490−18% | 1.41 |
Pay is the catch. Financial and investment analysts number 5,370 (LQ 1.6) but earn a $79,910 median, about 22% below the U.S. $102,740. Personal financial advisors earn $82,580 (U.S. $105,070) and actuaries $106,490 (U.S. $130,000). Claims adjusters are paid at the national level ($77,990 vs $78,000), and underwriters slightly below it ($78,350 vs $81,370). Jobs and median annual pay for the Tampa-St. Petersburg-Clearwater, FL metro area, all employers, from the BLS Occupational Employment and Wage Statistics survey (May 2025). “Vs. U.S.” compares with the national median. Concentration is the BLS location quotient: above 1.0 means the job makes up a bigger share of local employment than it does nationally.
Florida licensing
Claims hires in Florida usually need a license before they can adjust. This is what the 2026 Florida Statutes require for the most common routes.
| Route | Statute | What it requires |
|---|---|---|
| Resident all-lines adjuster | s. 626.866 | At least 18; U.S. citizen or legal alien with work authorization; bona fide Florida resident; adjusting experience, training or instruction; written exam unless exempt. |
| Exam exemption by designation | s. 626.221(2)(h), (j) | CPCU, or a listed claims designation such as the Associate in Claims (AIC) or Universal Claims Certification (UCC), where the curriculum is department-approved. |
| Exam exemption by degree | s. 626.221(2)(i) | An insurance degree from an approved institution showing at least 18 credit hours of insurance instruction. |
| Returning adjusters | s. 626.221(2)(e) | A former licensed and appointed all-lines adjuster who applies within 48 months after the prior appointment ended. |
| Nonresident public adjuster | s. 626.8732 | Six months of continuous public adjuster licensing in the home state, a Florida exam, fingerprints and a $50,000 surety bond. |
Summary of statute text, not legal advice. Check the full list of designations in s. 626.221 before relying on an exemption. Source: 2026 Florida Statutes, s. 626.221 (Examination requirement; exemptions).
Hiring advice
What the licensing rules and the pay data mean for a Tampa Bay hiring plan.
The resident all-lines license requires a bona fide Florida resident. A strong adjuster moving from Georgia or Texas may need a different license route, so confirm which one the role needs first.
A CPCU, or an approved claims designation such as the AIC, exempts an applicant from the all-lines exam. Ask for designations on the application so licensed starts happen sooner.
Adjusters whose appointment ended within the past 48 months can return without retaking the exam. Former staff are often the fastest surge hires.
Local financial analyst pay runs about 22% below the U.S. median. That helps your budget, but candidates holding remote offers will compare against national pay.
Market context
Named as market context only, from company and economic development sources.
Headquartered in St. Petersburg, with private client, capital markets, asset management and banking lines of business. Record client assets of $1.73 trillion as of September 30, 2025.
The Tampa Bay Economic Development Council lists a local Citi workforce of more than 8,000 and calls the site Citi's second-largest outside New York City.
The same council names JPMorgan Chase, USAA, MetLife, the Depository Trust & Clearing Corporation and Fisher Investments among the region's financial and professional services employers.
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FAQ
Generally, yes. Florida licenses adjusters under chapter 626 of its statutes. The resident all-lines adjuster license, under s. 626.866, requires applicants to be at least 18, work-authorized and a bona fide Florida resident, and to pass a written exam unless an exemption applies. Nonresident and public adjusters follow separate sections. Confirm the license type for your role before you make an offer.
Under s. 626.221, the Chartered Property Casualty Underwriter (CPCU) designation exempts all-lines applicants, as do listed claims designations such as the Associate in Claims (AIC), Accredited Claims Adjuster (ACA) and Universal Claims Certification (UCC), when the curriculum is department-approved. An insurance degree with at least 18 credit hours of insurance instruction also qualifies.
About 22%. BLS May 2025 data puts the Tampa-St. Petersburg-Clearwater median for financial and investment analysts at $79,910, against $102,740 nationally, even though the metro has more analysts per job than the U.S. (LQ 1.6). Personal financial advisors show a similar gap. See our financial planner salary guide for national ranges.
Yes. Careerscape places contract and temporary claims staff, from field and desk adjusters to examiners and supervisors, who work on our payroll for the period you need. Start early: licensing checks and appointments take time, and demand peaks for every carrier at once after a storm. Our financial services staffing page lists every role we cover.
Our Tampa staffing page covers the whole metro, including the defense cluster around MacDill Air Force Base and the Florida rules that shape offers. For software, data and cyber roles, see our Tampa technology recruiting page. This page is for insurance, wealth and finance hiring only, so the two do not overlap.
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