Public adjuster surety bonds by state

Public Adjuster Bond Requirements by State

Public adjusters often need a surety bond before they can obtain, renew, or maintain a public adjuster license or registration. Bond limits, filing methods, license types, renewal timing, and approved forms vary by state.

Use this guide to compare public adjuster bond requirements, find state-specific guides, review one-year rates, and start an online quote with Jet.

Get a Public Adjuster Bond Quote View State Requirements Why the Bond Is Needed Public Adjuster Bond FAQ

Last updated: July 2026. Public adjuster bond requirements may change. Confirm final license, bond, filing, and contract instructions with the state insurance department or application system before filing.

Public Adjuster Bond Quick Answers

What is a public adjuster bond?

A public adjuster bond is a license surety bond required by some states before a public adjuster can act on behalf of insureds.

Who needs one?

Public adjusters, public insurance adjusters, public adjuster business entities, or certain adjuster applicants may need a bond depending on state law.

How much are bond limits?

Most public adjuster bond limits range from $1,000 to $50,000, depending on the state and license type.

How do I get quoted?

Start online, select your state and license type, and Jet will help match the bond to the state requirement.

Why Public Adjusters Need a Surety Bond

Public adjusters represent insureds during the insurance claim process. Because they may negotiate claim settlements, collect fees, handle claim documents, advise policyholders, or come into contact with settlement funds, many states require a surety bond as part of the licensing or registration process.

The bond gives the state and the public a financial guarantee that the public adjuster will follow the laws that apply to the license. If a public adjuster violates state rules and causes a covered loss, a claim can be made against the bond. The surety investigates the claim and may pay up to the bond limit, but the bonded adjuster is responsible for reimbursing the surety for any valid claim payment.

License Compliance

The bond helps show the state that the public adjuster has met the financial responsibility requirement tied to the license or registration.

Consumer Protection

The bond protects insureds and other harmed parties if the public adjuster mishandles duties covered by the state bond requirement.

Funds and Claim Handling

Many public adjuster bonds address accounting for money, settlement funds, salvage, goods, or other property received through the adjusting process.

Regulator Assurance

The bond gives the insurance department a way to enforce financial responsibility if a public adjuster violates public adjuster laws or regulations.

Important: A surety bond is not insurance for the public adjuster. The bond protects the public and the state. If the surety pays a valid claim, the public adjuster or business that purchased the bond must reimburse the surety.

Public Adjuster Bond Requirements by State

The table below lists public adjuster bond requirements and related adjuster bond pages currently supported by Jet. Some states use the term public adjuster, some use public insurance adjuster, and some include related adjuster bond requirements.

State Bond Type Bond Amount One-Year Rate State Guide Quote
California Insurance Adjuster Bond $2,000 $60 for a two-year term View California Guide Get Quote
California Public Insurance Adjuster Bond $20,000 $75 View California Guide Get Quote
Colorado Public Adjuster Bond $20,000 $119 View Colorado Guide Get Quote
District of Columbia Public Insurance Adjuster Bond $20,000 $100 View DC Guide Get Quote
Delaware Public Adjuster Bond $20,000 $119 View Delaware Guide Get Quote
Florida Public Adjuster Bond $50,000 $219 View Florida Guide Get Quote
Georgia Public Adjuster Bond $5,000 $100 View Georgia Guide Get Quote
Hawaii Public Adjuster Bond $10,000 $100 View Hawaii Guide Get Quote
Iowa Independent Adjuster Bond $50,000 $219 View Iowa Guide Get Quote
Iowa Public Adjuster Bond $50,000 $219 View Iowa Guide Get Quote
Idaho Public Adjuster Bond $20,000 $119 View Idaho Guide Get Quote
Illinois Public Adjuster / Public Adjuster Business Entity Bond $50,000 $219 View Illinois Guide Get Quote
Indiana Public Adjuster Bond $10,000 $79 View Indiana Guide Get Quote
Kentucky Non-Resident Adjuster Bond $1,000 Custom View Kentucky Guide Get Quote
Kentucky Public Adjuster Bond $50,000 $219 View Kentucky Guide Get Quote
Louisiana Public Adjuster Bond $50,000 $219 View Louisiana Guide Get Quote
Maine Maine Public Adjuster Bond Custom Custom View Maine Guide Get Quote
Minnesota Public Adjuster Bond $10,000 $79 View Minnesota Guide Get Quote
Missouri Public Adjuster Bond $10,000 $100 View Missouri Guide Get Quote
Missouri Public Adjuster Solicitor Bond $1,000 $100 View Missouri Guide Get Quote
Mississippi Public Adjuster Bond $50,000 $219 View Mississippi Guide Get Quote
Montana Public Adjuster Bond $5,000 $100 View Montana Guide Get Quote
North Carolina Public Adjuster Bond $20,000 $100 View North Carolina Guide Get Quote
North Dakota Public Adjuster Bond $20,000 $100 View North Dakota Guide Get Quote
Nebraska Public Insurance Adjuster Bond $20,000 $79 View Nebraska Guide Get Quote
New Hampshire Public Adjuster Bond $20,000 $119 View New Hampshire Guide Get Quote
New Jersey Public Adjuster Bond $10,000 $50 View New Jersey Guide Get Quote
New Mexico Public Adjuster Bond $10,000 $79 View New Mexico Guide Get Quote
Nevada Motor Vehicle Damage Appraiser Bond $2,500 $79 View Nevada Guide Get Quote
New York Public Adjuster Bond $1,000 $100 View New York Guide Get Quote
Ohio Public Insurance Adjuster Bond $1,000 $50 View Ohio Guide Get Quote
Ohio Public Insurance Adjuster Business Entity Bond $1,000 $50 View Ohio Guide Get Quote
Oklahoma Public Adjuster Bond $25,000 $149 View Oklahoma Guide Get Quote
Pennsylvania Public Adjuster Bond $20,000 $119 View Pennsylvania Guide Get Quote
Tennessee Public Adjuster Bond $50,000 $219 View Tennessee Guide Get Quote
Texas Public Insurance Adjuster Bond $10,000 $50 View Texas Guide Get Quote
Virginia Public Adjuster Bond $50,000 $219 View Virginia Guide Get Quote
Washington Public Adjuster Bond $5,000 $100 View Washington Guide Get Quote
Wisconsin Public Insurance Adjuster Bond $20,000 $119 View Wisconsin Guide Get Quote

Note: Some states allow a surety bond or another form of financial responsibility, such as an irrevocable letter of credit. This page focuses on surety bond options available through Jet. Rates shown are one-year rates unless otherwise noted and may change based on underwriting, term selection, and filing requirements.

How Public Adjuster Bond Quotes Work

1

Choose Your State

Select the state where you are applying for, renewing, or maintaining a public adjuster license or registration.

2

Confirm the License Type

Match the bond to the public adjuster, public insurance adjuster, business entity, or related adjuster requirement shown on your paperwork.

3

Buy and File

Jet provides the bond and filing instructions. Some states require uploads, some require original mailed bonds, and some use application attestations.

Start My Public Adjuster Bond Quote

How Much Does a Public Adjuster Bond Cost?

Public adjuster bond costs vary by state, bond amount, term length, underwriting rules, and license type. A lower bond limit does not always mean the lowest premium, and two states with the same bond amount may have different pricing.

Jet provides online quote options for many public adjuster bonds, including monthly, one-year, two-year, or three-year terms when available. The state guide table above includes one-year rates for quick comparison.

Low Bond Limits

Some states have smaller limits, such as $1,000, $2,500, or $5,000.

Mid-Range Limits

Many public adjuster bond requirements fall between $10,000 and $25,000.

Higher Limits

Several states require $50,000 bonds or an equivalent financial responsibility option.

Custom Bonds

Some filings require custom review, especially when a regulator or application gives special instructions.

Need a Public Adjuster Bond?

Start a quote online with Jet and select the state where the license or registration is being filed.

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

Get My Quote

How Are Public Adjuster Bonds Filed?

Public adjuster bond filing depends on the state. Before filing, confirm the required bond form, principal name, bond amount, effective date, signature rules, seal requirements, Power of Attorney, and filing method.

Upload Filing

Some states require bond forms to be uploaded through NIPR, Sircon, or a state licensing portal.

Email Filing

Some regulators accept a completed bond or financial responsibility document by email.

Original Bond Filing

Some states require the original signed and sealed bond to be mailed to the insurance department.

Application Attestation

Some states ask for bond information in the license application and may request the actual bond later.

Multi-State Public Adjusters

Public adjusters often work in multiple states, especially during catastrophe seasons. Each state may have a different bond amount, license type, filing method, renewal cycle, contract rule, and business entity requirement.

Jet can help public adjusters and adjusting firms quote bonds across multiple states, track bond names and limits, and identify which filings require original bonds versus electronic uploads.

Start a Multi-State Quote

How to Avoid Public Adjuster Bond Claims

  • Maintain the bond for the full period required by the state.
  • Use the exact legal name required by the license application.
  • File the bond through the correct state-specific method.
  • Use approved contract forms when required.
  • Do not act as a public adjuster before the license or registration is approved.
  • Keep client funds, settlement funds, contracts, fees, and claim records organized.
  • Follow state limits on fees, deposits, conflicts of interest, and claim handling.
  • Renew the license, bond, and continuing education requirements on time.
  • Respond promptly to regulator requests and consumer complaints.

Read Jet’s Surety Bond Claims Guide

Want to Know More About Public Adjuster Bond Processes?

How to Renew My Bond

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

Read the Renewal Guide

How to Cancel My Bond

See details surrounding cancelling your public 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

Public Adjuster Bond FAQ

What is a public adjuster bond?

A public adjuster bond is a surety bond required by some states for public adjuster licensing, registration, renewal, or financial responsibility compliance.

Why do public adjusters need a surety bond?

States use public adjuster bonds to help protect insureds and confirm that the public adjuster has met a financial responsibility requirement. The bond can respond if the adjuster violates covered state rules and causes a valid loss.

Who needs a public adjuster bond?

Public adjusters, public insurance adjusters, public adjuster business entities, and certain related adjuster license applicants may need a bond depending on the state.

How much does a public adjuster bond cost?

The cost depends on the state, bond amount, term length, underwriting rules, and license type. Start an online quote to confirm the price for your state.

What public adjuster bond amount do I need?

Bond amounts vary by state. Common limits include $1,000, $5,000, $10,000, $20,000, $25,000, and $50,000.

Are public adjuster bonds filed electronically?

Some are filed electronically, but not all. Some states require NIPR or Sircon uploads, some require emailed documents, and some require the original signed and sealed bond to be mailed.

Is a public adjuster bond insurance?

No. A public adjuster bond is not insurance for the adjuster. If the surety pays a valid claim, the bonded principal must reimburse the surety.

Does every state require a public adjuster bond?

No. Requirements vary by state. Some states require a bond, some allow another financial responsibility option, and some do not have a standard public adjuster bond requirement.

Can Jet help with multiple public adjuster bonds?

Yes. Jet can help public adjusters and firms quote bonds for multiple states.

Get the Public Adjuster Bond Required for Your State

Start your quote online and choose the state where you need a public adjuster bond. Jet will provide bond documents and filing instructions after purchase.

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

Get My Public Adjuster 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: