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Pennsylvania public adjuster license bond
Pennsylvania Public Adjuster Bond Requirements, Cost & Filing Guide
Get the Pennsylvania Public Adjuster Bond required for licensing with the Pennsylvania Insurance Department. Jet helps public adjuster applicants review the $20,000 bond requirement, compare price options, and receive filing instructions after purchase.
Pennsylvania requires each person receiving a public adjuster license to execute and deliver a $20,000 Public Adjuster Bond to the Insurance Commissioner before transacting business under the license.
The bond must be obtained before transacting business as a public adjuster in Pennsylvania. Public adjusters must also use a contract approved by the Pennsylvania Insurance Department before doing business with an insured.
Last updated: July 2026. Pennsylvania public adjuster bond requirements and filing instructions may change. Confirm final licensing instructions with the Pennsylvania Insurance Department, Sircon, NIPR, or your license application before filing.
Pennsylvania Public Adjuster Bond Quick Answers
| Question | Short Answer |
|---|---|
| Who needs a Pennsylvania Public Adjuster Bond? | Each person receiving a Pennsylvania public adjuster license must execute and deliver the required bond before transacting business. |
| What bond amount is required? | Pennsylvania requires a $20,000 Public Adjuster Bond. |
| Who regulates Pennsylvania public adjusters? | Public adjusters are licensed by the Pennsylvania Insurance Department, Bureau of Licensing and Enforcement. |
| How much does the Pennsylvania bond cost? | Jet lists the Pennsylvania Public Adjuster Bond at $12 monthly, $119 for one year, $208 for two years, or $298 for three years. |
| Does Pennsylvania require the bond before licensing? | The bond must be obtained before transacting business as a public adjuster in Pennsylvania. |
| Do business entities need a Pennsylvania public adjuster license? | Yes. Pennsylvania allows business entities to apply for a public adjuster license after designating one or more licensed officers or partners responsible for compliance. |
| Does Pennsylvania still license public adjuster solicitors? | The current Act 72 text shows the public adjuster solicitor definition as deleted by amendment. This page focuses on the current public adjuster bond requirement. |
| What does the bond protect against? | The bond is conditioned on faithful compliance with Act 72 and helps protect against losses caused by failure to comply with public adjuster duties, including mishandling money, substitutes for money, salvage, goods, or property. |
| Can the bond amount change soon? | A 2025 Senate Bill proposes changes, including a higher bond amount, but the current Act 72 requirement remains $20,000 unless and until a change is enacted. |
| How are applications submitted? | Pennsylvania’s resident licensing instructions say applications are submitted online through Sircon or NIPR after passing the examination. |
| Where are paper filings mailed? | Pennsylvania Insurance Department, Bureau of Licensing and Enforcement, 1209 Strawberry Square, Harrisburg, PA 17120. |
| How do I buy the bond? | Start a quote online, select Pennsylvania and Public Adjuster Bond, review the available term options, and follow the filing instructions provided after purchase. |
Pennsylvania Public Adjuster Bond Cost
The Pennsylvania Public Adjuster Bond cost depends on the required $20,000 bond amount and selected term length. Jet lists monthly, one-year, two-year, and three-year options for eligible public adjuster applicants.
| Bond Type | Bond Amount | Monthly Option | One-Year Option | Two-Year Option | Three-Year Option |
|---|---|---|---|---|---|
| Pennsylvania Public Adjuster Bond | $20,000 | $12 monthly | $119 for a one-year term | $208 for a two-year term | $298 for a three-year term |
Bond Amount vs Bond Cost
The bond amount is the coverage required by Pennsylvania. The bond cost, also called the premium, is the price paid to purchase the bond. These are not the same thing.
Which Pennsylvania Public Adjuster Bond Do I Need?
Pennsylvania’s bond requirement applies to the public adjuster license. Use the exact applicant name and license type shown on your Pennsylvania Insurance Department, Sircon, NIPR, or license application paperwork when requesting your quote.
| If Your License Type Is | You Likely Need | Bond Amount | Start Quote |
|---|---|---|---|
| Resident Public Adjuster | Pennsylvania Public Adjuster Bond | $20,000 | Get Quote |
| Non-Resident Public Adjuster | Pennsylvania Public Adjuster Bond | $20,000 | Get Quote |
| Public Adjuster Business Entity | Pennsylvania Public Adjuster Bond issued in the correct business entity name when required by the application | $20,000 | Ask Jet |
| Independent Adjuster or Insurance Company Adjuster | Not the Pennsylvania Public Adjuster Bond unless specifically instructed by the Department | Confirm with the Department or application instructions | Ask Jet |
Important: The live page previously referenced public adjuster solicitors. The current Act 72 text shows the public adjuster solicitor definition as deleted by amendment, so this update focuses on the public adjuster license and public adjuster business entity filings.
Not sure which bond applies? Contact Jet at (855) 516-3348 or [email protected] before starting your quote.
Get Your Pennsylvania Public Adjuster Bond Quote
Start your quote online and select Pennsylvania as the state. Then choose the Public Adjuster Bond that matches your license requirement.
- Online quote request
- Monthly, one-year, two-year, and three-year options for eligible applicants
- Pricing starting at $12 monthly or $119 for a one-year term
- Pennsylvania-specific filing instructions
- $20,000 bond requirement guidance
- Support for individual and business entity filings
- Power of Attorney support
- Sircon, NIPR, and paper filing guidance
- Renewal support for public adjuster license bond filings
- Support for multi-state public adjuster bond needs
Have your state, applicant type, applicant name, business entity name when applicable, requested effective date, and licensing paperwork ready.
Questions? Call (855) 516-3348 or email [email protected].
Ready to Get Licensed?
Start your Pennsylvania Public Adjuster Bond quote online. Jet will help match the bond to the Pennsylvania public adjuster license requirement and provide filing instructions after purchase.
Need help? Call (855) 516-3348 or email [email protected].
What You Need to Start a Pennsylvania Public Adjuster Bond Quote
1
Your State
Select Pennsylvania as the state where you are applying for or renewing your public adjuster license.
2
Your License Type
Confirm whether the applicant is a resident public adjuster, non-resident public adjuster, or public adjuster business entity.
3
Applicant Information
Provide the exact name and address that must appear on the bond, along with the requested effective date and license details.
Who Needs a Pennsylvania Public Adjuster Bond?
1
Resident Public Adjusters
Pennsylvania resident public adjuster applicants must complete the licensing process and obtain the required $20,000 bond before transacting business in Pennsylvania.
2
Non-Resident Public Adjusters
Non-resident public adjusters should follow Pennsylvania Insurance Department, Sircon, and NIPR instructions, including any resident-state licensing requirements and the $20,000 bond filing.
3
Public Adjuster Business Entities
Pennsylvania business entities may apply for a public adjuster license after designating one or more officers or partners licensed under Act 72 to be responsible for compliance.
What Is the Purpose of a Pennsylvania Public Adjuster Bond?
A Pennsylvania Public Adjuster Bond is a license surety bond required under Act 72 of 1983. The bond is required before a public adjuster transacts business under the license.
The bond is conditioned on the public adjuster faithfully complying with Act 72 and not embezzling, taking, secreting, fraudulently withholding, appropriating, lending, investing, or otherwise improperly using money, substitutes for money, salvage, goods, or property received as a public adjuster.
Pennsylvania Public Adjuster Bond vs Insurance
The Pennsylvania Public Adjuster Bond is not insurance for the public adjuster. It protects insureds, the Commonwealth, and other parties that may suffer loss because of the public adjuster’s failure to comply with Act 72 or faithfully perform duties. If the surety pays a valid claim, the bonded principal must reimburse the surety.
Pennsylvania Public Adjuster License Rules to Know
Pennsylvania public adjusters are licensed by the Pennsylvania Insurance Department. Applicants and licensees should follow Act 72, Department licensing instructions, Sircon and NIPR instructions, bond form requirements, contract requirements, renewal rules, and conduct standards.
- No person may directly or indirectly act in Pennsylvania as a public adjuster without first procuring a public adjuster license from the Insurance Commissioner.
- Each person receiving a public adjuster license must execute and deliver a $20,000 bond before transacting business under the license.
- Resident public adjuster applicants must pass the public insurance adjuster examination unless exempt.
- Resident public adjuster applicants are directed to apply through Sircon or NIPR after passing the examination.
- Fingerprinting is required for new resident public adjuster applicants and must be completed at an IdentoGO enrollment center.
- Paper applications are available only if the applicant is unable to apply online.
- Public adjusters must use a contract approved by the Pennsylvania Insurance Department.
- If the Department sample contract is used verbatim, it does not need to be sent for approval.
- If the contract deviates from the Department sample contract, it must be submitted for approval before use.
- Business entities must designate one or more licensed officers or partners responsible for compliance with Pennsylvania insurance laws and regulations.
Pennsylvania Public Adjuster Contract Notes
Pennsylvania requires public adjusters to use a contract approved by the Pennsylvania Insurance Department. The Department’s licensing instructions state that all public adjusters must use an approved contract before transacting business.
The Department provides a sample contract. If the sample is used verbatim, the instructions say there is no need to send it to the Department for approval. If a contract deviates in any way from the Department’s sample, the contract must be submitted to the Department for approval before use.
Filing note: Keep a copy of the approved contract, bond, Power of Attorney, application documents, and any Department correspondence for your records.
Pennsylvania Bond Form Notes
The Pennsylvania Public Adjuster Bond form should match the public adjuster applicant name, license type, bond amount, effective date, surety information, and required signatures.
If the application or Department requests a signed and sealed original bond, follow those instructions. If the bond is uploaded through Sircon or NIPR, confirm that the bond, Power of Attorney, and any supporting documents are uploaded in the correct licensing workflow.
How the Pennsylvania Public Adjuster Bond Process Works
Start Your Quote Online
Enter basic information about the Pennsylvania public adjuster license and required $20,000 bond.
Review Your Price
Select monthly, one-year, two-year, or three-year terms when available.
Pay Online
Complete checkout and receive your receipt, bond form, Power of Attorney, and Pennsylvania filing instructions.
File the Bond
Submit the bond through the required Sircon, NIPR, or paper filing process as instructed by the Pennsylvania Insurance Department.
Who Files the Pennsylvania Public Adjuster Bond?
Pennsylvania public adjuster bond filing should follow the instructions provided by the Pennsylvania Insurance Department, Sircon, NIPR, or the applicant’s license application. Pennsylvania’s resident licensing instructions direct applicants to apply online through Sircon or NIPR after passing the exam.
Online Filing
Submit the license application through the appropriate Sircon or NIPR workflow. Upload or provide the bond and supporting documents as instructed by the application system or Department.
Paper Filing Address if Required
Pennsylvania Insurance Department
Bureau of Licensing and Enforcement
1209 Strawberry Square
Harrisburg, PA 17120
Phone: (717) 787-3840
Fax: (717) 787-8553
Before Filing
Confirm that the applicant name, business entity name when applicable, bond amount, effective date, surety information, Power of Attorney, signatures, seal when required, application method, and contract form requirements match the Pennsylvania application instructions.
Contact Jet at (855) 516-3348 or [email protected] and we can help confirm the filing method for your license.
Popular Public Adjuster Bond State Guides
Multi-State Public Adjusters
Working across state lines is common during catastrophe seasons and for national programs. Keep each public adjuster license organized so bonds, online filing requirements, business entity filings, approved contracts, fingerprinting requirements, and renewal requirements do not lapse or get submitted incorrectly.
Bonds Are State Specific
Most states require a separate bond that matches the exact license name, bond form, filing authority, and principal information.
Filing Methods Vary
Some regulators accept electronic filing, while others require uploads, email submissions, mailed originals, or state-specific bond forms.
Pricing Varies by State
Each state limit and license type is priced separately. Do not assume that two states with similar limits will have the same premium.
Renewal Timing Matters
Track license and bond requirements so the public adjuster license remains supported by an active bond.
Need Bonds in Multiple States?
If you need public adjuster bonds for Pennsylvania and other states, reach out to Jet to discuss the states, limits, filing methods, entity rules, and renewal timing needed for your licenses.
Call: (855) 516-3348
Email: [email protected]
How to Avoid a Pennsylvania Public Adjuster Bond Claim
- Follow Pennsylvania Act 72 and Pennsylvania Insurance Department public adjuster licensing instructions.
- Maintain the required $20,000 Public Adjuster Bond before transacting business.
- Make sure the bond name, business entity name when applicable, and license application details match.
- Use an approved Pennsylvania public adjuster contract before doing business with an insured.
- Submit any contract that deviates from the Department’s sample contract for approval before use.
- Do not embezzle, take, secrete, fraudulently withhold, appropriate, lend, invest, or misuse money, substitutes for money, salvage, goods, or property received as a public adjuster.
- Do not act as a public adjuster in Pennsylvania without first receiving the required license.
- Be truthful, fair, and clear in all communications with insureds, insurers, and the Department.
- Keep accurate claim files, communications, contracts, settlement records, fee records, and payment records.
- Renew the license and bond on time and respond promptly to Department requests.
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.
Want to Know More About Public Adjuster Bond Processes?
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].
Pennsylvania Public Adjuster Bond FAQ
What is a Pennsylvania Public Adjuster Bond?
A Pennsylvania Public Adjuster Bond is a $20,000 license surety bond required before transacting business as a licensed public adjuster in Pennsylvania.
Who needs a Pennsylvania Public Adjuster Bond?
Each person receiving a Pennsylvania public adjuster license must execute and deliver the required bond to the Insurance Commissioner before transacting business.
How much does a Pennsylvania Public Adjuster Bond cost?
Jet lists the Pennsylvania Public Adjuster Bond at $12 monthly, $119 for one year, $208 for two years, or $298 for three years.
What Pennsylvania public adjuster bond limit do I need?
Pennsylvania requires a $20,000 Public Adjuster Bond.
Does Pennsylvania require a $40,000 Public Adjuster Bond?
Not under the current Act 72 text reviewed for this update. A 2025 Senate Bill proposes increasing the amount, but the current statutory requirement remains $20,000 unless and until a change is enacted.
Does a Pennsylvania public adjuster business entity need a bond?
Business entities may apply for a Pennsylvania public adjuster license after designating one or more licensed officers or partners responsible for compliance. Confirm whether the bond should be issued in the entity name, individual name, or both based on the application instructions.
How do I buy a Pennsylvania Public Adjuster Bond online?
Start a quote online, select Pennsylvania and Public Adjuster Bond, review the available term options, and follow the filing instructions after purchase. For help, call Jet at (855) 516-3348 or email [email protected].
Is a Pennsylvania Public Adjuster Bond insurance?
No. A Pennsylvania Public Adjuster Bond is not insurance for the public adjuster. It protects insureds, the Commonwealth, and other parties that may suffer a covered loss. If the surety pays a valid claim, the bonded principal must reimburse the surety.
How is the Pennsylvania Public Adjuster Bond filed?
Follow the filing instructions provided by the Pennsylvania Insurance Department, Sircon, NIPR, or the license application. Resident licensing instructions direct applicants to apply online through Sircon or NIPR after passing the exam.
Where is the Pennsylvania Public Adjuster Bond mailed?
If paper filing is required, mail documents to Pennsylvania Insurance Department, Bureau of Licensing and Enforcement, 1209 Strawberry Square, Harrisburg, PA 17120, unless the Department or application instructs otherwise.
Does Pennsylvania require an approved public adjuster contract?
Yes. Pennsylvania public adjusters must use a contract approved by the Pennsylvania Insurance Department before transacting business.
Can Jet help with public adjuster bonds in multiple states?
Yes. If you need public adjuster bonds in Pennsylvania 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 Pennsylvania Public Adjuster License
Start your quote online and choose the Pennsylvania Public Adjuster Bond that matches your license requirement. Jet will provide the bond form and filing instructions after purchase.
Call: (855) 516-3348
Email: [email protected]