Public Adjuster Bonds

Adjusters stand between policyholders, insurers, and the facts of a loss. Many jurisdictions require a surety bond as part of licensing so there is a clear path to reimbursement if an adjuster breaks the rules. Jet Makes it easy to get the bond you need in minutes.

QUOTE

An adjuster bond is a third party guarantee. It is not insurance for the adjuster. It protects the public and the regulator if the adjuster causes a covered loss and fails to make it right.

Who Needs a Public Adjuster Bond?

Public adjusters who represent policyholders on first party claims
Independent adjusters who handle claims for insurers
Business entities that employ or contract with adjusters

If you work in more than one state, you may need a separate bond for each license.

What is the Purpose of a Public Adjuster Bond?

An adjuster bond is a promise backed by a licensed surety that you will follow the rules tied to your license. It provides regulators and consumers a straightforward way to recover losses when an adjuster acts fraudulently and fails to correct the harm.

The bond protects the public and the regulator when an adjuster causes a covered loss. It creates accountability by requiring the adjuster to repay the surety if a valid claim is paid. This encourages ethical conduct and proper record keeping.

A bond differs from insurance because it is a third party guarantee for others, not coverage for the adjuster. If a surety pays a valid claim, the bonded party must reimburse the surety. Errors and omissions insurance can protect the adjuster, while a bond protects the public.

How Much Does a Public Adjuster Bond Cost?

Your price is a small percentage of the required bond amount. Jet reviews credit with a soft inquiry so your score is not affected. You can choose monthly, annual, or multi year terms at checkout.

The chart shows example starting prices for a $50,000 Adjuster License Bond.

Price TierMonthly1 Year2 Year
Super-Preferred$20$200$350
Preferred$38$375$657
Standard$50$500$875
$50,000 Public Adjuster Bond Price Example

*Prices shown are not an offer—your rate must be approved through underwriting.

With Jet, you can choose from monthly, annual, and multi-year options. We are the only surety carrier to offer a true month-to-month payment plan. Pay a low cost each month and cancel at any time.

How the Process Works

Start your application online and enter some basic information about the license
Review instant quotes and select monthly or multi year terms
Pay online and receive your bond form and receipt right away
Jet files electronically when accepted and ships an original when needed\

Filing and Delivery Options

Electronic filing when the regulator allows it
Standard mail of original signed and sealed bond
Expedited shipping at checkout available
Self filing if you prefer to attach the bond to a larger submission

Staying on the Right Side of a Bond Claim

Most claims can be avoided with solid practices

Use a clear written agreement that explains scope and fees
Keep organized claim files and communication logs
Handle client funds through a proper escrow or trust account when required
Be accurate and honest in all statements and reports
Respond quickly to consumers and regulators

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 then seeks reimbursement from the bonded principal per the indemnity agreement.

Multi State Adjusters

Working across state lines is common during catastrophe seasons and for national programs. Here is how to keep things organized and compliant.

Bonds are jurisdiction specific. Most states require a separate bond that matches the exact license name and SSN or FEIN
Filing methods vary by regulator. Some accept electronic upload through NIPR or Sircon, while others want wet signed originals with a Power of Attorney from the surety
Notice periods differ. Some states require 30 days of notice to cancel a bond, others require 60 or more. Replace bonds early so you do not have a lapse
Entity versus individual. Certain states require a bond for the business entity and others require the individual to be bonded, and a few require both. Verify which applies to you
Temporary or emergency CAT permits may waive exams but do not always waive bonding. Check the event guidance

Want to Know More About Public Adjuster Bond Processes? See Our Articles Below.

How to Renew My Bond

For annually-purchased bonds, see Jet’s process to renew your bond. Hint- it’s simple.

How to Cancel My Bond

See the details surrounding cancelling your bond.

Bond Claim Process

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

Public Adjuster Bond Requirements by State

Created with Raphaël 2.0.0 WA ID OR MT ND MN SD WY CA NV UT AZ CO NM TX OK KS IA WI NE IL MO IN MI OH KY TN AR WV VA PA NY DC MD DE NJ CT RI MA ME NH VT NC SC GA AL FL MS LA AK HI

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: