Public and Independent Adjuster Bonds

Surety protection for policyholders, insurance companies, and the state.

Learn more about public and independent adjuster bonds.

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Public adjusters are professionals hired by policyholders to evaluate, manage, and negotiate their insurance claims. In contrast, independent adjusters are professionals who work on behalf of an insurance company to evaluate loss claims; they are not permitted to adjust claims on behalf of a policyholder.

Public and Independent Adjuster Bonds

In most states, adjusters are required to file a license and permit surety bond in order to obtain their license. The bond does not provide any protection to the public or independent adjuster. Instead, the bond protects the insurance company, state insurance department, or policyholder from suffering a loss due to unlawful actions by the adjuster.

There is no nationwide bond requirement for licensed adjusters; therefore, the bond amount varies by state. The list shows the bond amount required by each state.

Available Policies and Rates

If you have questions regarding the bonds shown below, or if the bond you need is not listed, please call 877-376-8676 (877-ERMUNRO) to speak with a bond specialist or email us at [email protected].

Public and Independent Adjuster Bond Applications

Please download the public and independent adjuster bond application from our bond application page below.

Download Application

Click on the table to view pdf version.

Do you have many employees in need of surety bonds for their adjuster licensing?

Your firm may qualify for a surety bond program to streamline your bonding needs. Contact our office at 877-376-8676 (877-ERMUNRO) to speak with a bond specialist or email us at [email protected].

Public and Independent Adjuster Bonds - Closeup View of an Agent and Client Going Through a Contract Together in the Office

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