What it means in the adjuster file
Independent adjusters work through adjusting firms and third-party administrators, often across several states. They hold the same license as staff adjusters, so the adjuster file groups both as Company or independent adjuster. The business name and email domain are the best guide to which a person is.
Keep the snapshot context
Field values describe the dataset snapshot. License details cover the states the dataset tracks, so an adjuster can hold more licenses than the file lists.