Kentucky public adjuster and non-resident adjuster license bonds

Kentucky Public Adjuster Bond Requirements, Cost & Filing Guide

Get the Kentucky adjuster bond required for your license. Jet helps public adjusters, independent adjusters, and non-resident adjuster applicants review Kentucky bond requirements, compare price options, and receive filing instructions after purchase.

The Kentucky Department of Insurance manages the licensure and regulation of public adjusters and independent adjusters in Kentucky, including resident and non-resident applicants and licensees. Depending on the license type, the Department may require proof of either a $50,000 Public Adjuster Bond or a $1,000 Non-Resident Adjuster Bond.

Jet provides both Kentucky adjuster bond options. These bonds act as a source of restitution if a licensee financially damages another party through negligence, unethical conduct, fraud, breach of contract, or another covered violation. The bond amount is not the price paid for the bond.

Get My Kentucky Adjuster Bond Quote View Pricing Find My Requirement

Last updated: June 2026. Kentucky adjuster licensing rules and bond requirements may change. Confirm your license eligibility, bond requirement, and filing instructions with the Kentucky Department of Insurance before purchase or renewal.

Kentucky Adjuster Bond Quick Answers

Question Short Answer
Who needs a Kentucky adjuster bond? Kentucky public adjusters, independent adjusters, and non-resident adjusters may need proof of a surety bond depending on the license type.
What public adjuster bond amount is required? Kentucky may require a $50,000 Public Adjuster Bond.
What non-resident adjuster bond amount is required? Kentucky may require a $1,000 Non-Resident Adjuster Bond.
How much does the Kentucky Public Adjuster Bond cost? Jet lists the $50,000 Kentucky Public Adjuster Bond at $22 monthly, $219 for one year, $383 for two years, or $548 for three years.
How much does the Kentucky Non-Resident Adjuster Bond cost? Jet lists the $1,000 Kentucky Non-Resident Adjuster Bond at $10 monthly, $100 for one year, $175 for two years, or $250 for three years.
Which Kentucky bond do I need? Public adjusters generally need the $50,000 Public Adjuster Bond. Non-resident adjusters may need the $1,000 Non-Resident Adjuster Bond.
Who does the bond protect? The Kentucky Department of Insurance, Kentucky residents, policyholders, clients, and financially damaged parties protected under the bond.
Is the bond insurance for the adjuster? No. The bond protects others. If the surety pays a valid claim, the bonded adjuster must reimburse the surety.
How is the Kentucky adjuster bond filed? The Kentucky Department of Insurance does not require the bond form to be physically filed, but the licensee must keep the original signed and sealed bond on hand. Proof may be required through NIPR during application or renewal.
How do I buy the bond? Start a quote online, select Kentucky and the correct adjuster bond, review the available term options, and follow the instructions provided after purchase.

Start My Kentucky Bond Quote

Kentucky Public Adjuster Bond Cost

Kentucky adjuster bond pricing depends on the required bond amount, selected term length, and underwriting. Jet provides monthly and multi-year options for the $50,000 Public Adjuster Bond and the $1,000 Non-Resident Adjuster Bond.

Bond Type Bond Amount Monthly Option One-Year Option Two-Year Option Three-Year Option
Kentucky Public Adjuster Bond $50,000 $22 monthly $219 for a one-year term $383 for a two-year term $548 for a three-year term
Kentucky Non-Resident Adjuster Bond $1,000 $10 monthly $100 for a one-year term $175 for a two-year term $250 for a three-year term

Bond Amount vs Bond Cost

The bond amount is the maximum coverage required for the Kentucky license type. The bond cost, also called the premium, is the price the adjuster pays to purchase the bond. These are not the same thing.

Check My Kentucky Adjuster Bond Price

Which Kentucky Adjuster Bond Do I Need?

Kentucky uses different bond amounts depending on the adjuster license requirement. Use the exact license type from your Kentucky Department of Insurance application or renewal paperwork when requesting your quote.

If Your License Type Is You Likely Need Bond Amount Start Quote
Resident Public Adjuster Kentucky Public Adjuster Bond $50,000 Get Quote
Non-Resident Public Adjuster Kentucky Public Adjuster Bond $50,000 Get Quote
Non-Resident Independent Adjuster Kentucky Non-Resident Adjuster Bond $1,000 Get Quote

Confirm your Kentucky license type first. Kentucky public adjuster licensing rules changed in 2026, and the Department may require different steps depending on whether the license is a new application, renewal, resident license, non-resident license, public adjuster license, or independent adjuster license. Contact Jet at (855) 516-3348 or [email protected] before purchase if you are unsure.

Get Your Kentucky Adjuster Bond Quote

Start your quote online and select Kentucky as the state. Then choose the adjuster bond requirement that matches your license type.

  • Online quote request
  • Monthly, one-year, two-year, and three-year options
  • Kentucky Public Adjuster Bond and Non-Resident Adjuster Bond options
  • Soft credit check with no impact on your current credit score
  • Bond form and receipt provided after purchase
  • Instructions for keeping the original bond and providing proof when required

Start My Bond Quote

Have your state, license type, applicant information, and requested effective date ready.

Questions? Call (855) 516-3348 or email [email protected].

Online Quote
Two Kentucky Bond Options
Kentucky Filing Guidance
Renewal Support

Ready to Get Your Kentucky Adjuster Bond?

Start your Kentucky adjuster bond quote online. Jet will help match the bond to the Kentucky license requirement and provide instructions after purchase.

Need help? Call (855) 516-3348 or email [email protected].

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What You Need to Start a Kentucky Adjuster Bond Quote

1

Your State

Select Kentucky as the state where you are applying for or renewing your adjuster license.

2

Your License Type

Choose the Kentucky adjuster bond requirement that matches your public adjuster, independent adjuster, or non-resident adjuster license paperwork.

3

Applicant Information

Provide the individual or business name that must appear on the bond, along with required contact and license details.

Start My Kentucky Adjuster Bond Quote

Who Needs a Kentucky Adjuster Bond?

1

Public Adjusters

Kentucky public adjusters may need proof of the $50,000 Public Adjuster Bond to receive or maintain a license.

2

Non-Resident Adjusters

Kentucky non-resident adjusters may need the $1,000 Non-Resident Adjuster Bond depending on the license requirement.

3

Multi-State Adjusters

Adjusters who work in multiple states may need a separate bond for each license, each state filing authority, and each license type.

What Is the Purpose of a Kentucky Public Adjuster Bond?

A Kentucky Public Adjuster Bond or Non-Resident Adjuster Bond is a financial guarantee that the licensee will comply with Kentucky insurance laws, license regulations, and contractual obligations to consumers.

Public adjusters and independent adjusters perform claim-related services that can affect policyholders, claimants, and insurers. If the adjuster commits a covered violation, including negligence, fraud, unethical conduct, unlawful business practice, or breach of contract, the appropriate bond may be used as restitution for the damaged party.

Kentucky Adjuster Bond vs Insurance

A Kentucky adjuster bond protects the Kentucky Department of Insurance, Kentucky residents, policyholders, clients, and financially damaged parties. It is not insurance for the adjuster. Errors and omissions insurance may protect the adjuster, while the surety bond exists to satisfy licensing requirements and protect others.

How the Kentucky Adjuster Bond Process Works

Start Your Application Online

Enter basic information about the Kentucky adjuster license and the required bond amount.

Review Your Price

Review monthly, one-year, two-year, or three-year options available for the selected Kentucky bond.

Pay Online

Complete checkout and receive your receipt and bond form information after purchase.

Keep the Original Bond

Keep the signed and sealed bond on hand. Proof may be required through NIPR during license application or renewal.

Who Files the Kentucky Public Adjuster Bond?

According to the live Kentucky page, there is no need to physically file the Public Adjuster Bond form or the Non-Resident Adjuster Bond form with the Department of Insurance. The licensee must keep the original signed and sealed bond form on hand, and the Commissioner may request a copy at any time.

NIPR Proof of Bond

Kentucky applicants and licensees may be required to submit proof of the bond through the NIPR Online System when initially applying for or renewing a license. Review your Kentucky application instructions before purchase so the bond name, principal name, bond amount, and effective date match the licensing requirement.

Kentucky Department of Insurance Contact Information

If the Kentucky Department of Insurance requests additional documentation, contact the Division of Agent Licensing:

Kentucky Department of Insurance
Division of Agent Licensing
500 Mero Street
Frankfort, KY 40601
502-564-6004

Bond Renewal

Keep the required Kentucky adjuster bond active while the license remains active. Monthly and multi-year options can help public adjusters, independent adjusters, and non-resident adjusters avoid gaps in required bond coverage.

Contact Jet at (855) 516-3348 or [email protected] and we can help confirm which Kentucky bond applies to your license.

Multi-State Public Adjusters and Independent Adjusters

Working across state lines is common during catastrophe seasons and for national programs. Keep each public adjuster, independent adjuster, and non-resident adjuster license organized so bonds do not lapse or get filed incorrectly.

Bonds Are State Specific

Most states require a separate bond that matches the exact license name, bond form, filing authority, and principal information.

License Types Matter

Kentucky may require different bond amounts for public adjusters and non-resident adjusters, so confirm the license type before purchase.

Pricing Varies by Bond

The $50,000 Kentucky Public Adjuster Bond and the $1,000 Non-Resident Adjuster Bond have different price options.

Renewal Timing Matters

Keep renewal dates organized so your Kentucky adjuster license remains active and the bond does not lapse unexpectedly.

Need Adjuster Bonds in Multiple States?

If you need public adjuster or independent adjuster bonds for Kentucky and other states, reach out to Jet to discuss the states, limits, filing methods, license types, and renewal timing needed for your licenses.

Call: (855) 516-3348
Email: [email protected]

How to Avoid a Kentucky Adjuster Bond Claim

  • Follow Kentucky adjuster statutes, license regulations, and Department of Insurance requirements.
  • Comply with applicable regulations under Subtitle 9 of the Kentucky Revised Statutes.
  • Confirm current public adjuster licensing eligibility and renewal rules with the Department before acting under a license.
  • Use clear written contracts that explain scope, duties, fees, and expectations.
  • Maintain accurate claim files, records, accounting details, and communication logs.
  • Avoid negligence, unethical conduct, deceptive conduct, fraud, unlawful business practices, and breach of contract.
  • Fulfill policyholder and client obligations and handle claim-related funds properly.
  • Keep the required Kentucky bond active while the license remains active.

What Happens if a Claim Is Filed?

Jet investigates, requests documents, and makes a decision. If the claim is valid, Jet pays up to the bond limit and then seeks reimbursement from the bonded principal under the indemnity agreement.

Read Jet’s Surety Bond Claims Guide

Want to Know More About Adjuster Bond Processes?

How to Renew My Bond

For annually purchased bonds, see Jet’s process to renew your Kentucky adjuster bond.

Read the Renewal Guide

How to Cancel My Bond

See the details surrounding cancelling your Kentucky adjuster bond.

Read the Cancellation Guide

Bond Claim Process

Find out what causes a claim and what happens after a claim is made.

Read the Claims Guide

More public adjuster bond information is available in Jet’s Public Adjuster Bonds guide.

Questions about renewals, cancellations, or claims? Contact Jet at (855) 516-3348 or [email protected].

Kentucky Public Adjuster Bond FAQ

What is a Kentucky Public Adjuster Bond?

A Kentucky Public Adjuster Bond is a license surety bond that may be required for Kentucky public adjuster licensing. Jet also provides the Kentucky Non-Resident Adjuster Bond for applicable non-resident adjuster license requirements.

Who needs a Kentucky Public Adjuster Bond?

Kentucky public adjusters may need the $50,000 Public Adjuster Bond to receive or maintain a license. Non-resident adjusters may need the $1,000 Non-Resident Adjuster Bond depending on their licensing requirement.

How much does a Kentucky Public Adjuster Bond cost?

Jet lists the $50,000 Kentucky Public Adjuster Bond at $22 monthly, $219 for one year, $383 for two years, or $548 for three years.

How much does the Kentucky Non-Resident Adjuster Bond cost?

Jet lists the $1,000 Kentucky Non-Resident Adjuster Bond at $10 monthly, $100 for one year, $175 for two years, or $250 for three years.

What Kentucky public adjuster bond limit do I need?

Kentucky may require a $50,000 Public Adjuster Bond for public adjusters. Non-resident adjusters may need a $1,000 Non-Resident Adjuster Bond.

How do I buy a Kentucky adjuster bond online?

Start a quote online, select Kentucky and the correct adjuster bond, review the available term options, and follow the instructions after purchase. For help, call Jet at (855) 516-3348 or email [email protected].

Is a Kentucky adjuster bond insurance?

No. A Kentucky adjuster bond is not insurance for the adjuster. It protects the Kentucky Department of Insurance and financially damaged parties. If the surety pays a valid claim, the bonded principal must reimburse the surety.

How is the Kentucky Public Adjuster Bond filed?

The Kentucky Department of Insurance does not require the Public Adjuster Bond form or Non-Resident Adjuster Bond form to be physically filed with the Department. The licensee must keep the original signed and sealed bond on hand, and proof may be required through NIPR during application or renewal.

Where is the Kentucky Department of Insurance located?

The Kentucky Department of Insurance, Division of Agent Licensing, is located at 500 Mero Street, Frankfort, KY 40601.

Can Jet help with adjuster bonds in multiple states?

Yes. If you need public adjuster or independent adjuster bonds in Kentucky and other states, contact Jet at (855) 516-3348 or email [email protected] to discuss the states, license types, bond limits, and filing instructions needed.

Get the Bond Required for Your Kentucky Adjuster License

Start your quote online and choose the Kentucky adjuster bond that matches your license requirement. Jet will provide the bond form and instructions after purchase.

Call: (855) 516-3348
Email: [email protected]

Get My Bond Quote

Notary Bond Application:

X

Business Information:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Employee Dishonesty Bond Application:

Business Information:

Business Description:

Coverage Requirements:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Contract Bond Application:

X

Business Information:

Owner Information:

Job Details:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Worker's Compensation Application:

X

Business Information:

Business Description:

Coverage Requirements

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information: