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M. BURR KEIM AGENCY · License & Permit Surety Bonds · Reviewed November 2026

Adjuster Bond

An adjuster bond is a surety bond required by some state insurance departments before an independent adjuster or public adjuster can be licensed. It gives the state and policyholders a way to recover certain losses caused by improper handling of claims or funds.

Apply for This Bond Online How to Apply Questions

At a glance

Product
Adjuster Bond
Category
License & Permit Surety Bonds
Required amount
Bond amounts are set by the state insurance department and commonly range from $10,000 to $50,000. Some states set a different amount for public adjusters than for independent or company adjusters, so confirm the amount and obligee with the licensing authority.
Online issue
Instant issue up to $50,000. With acceptable credit, instant issue is available above $50,000 up to $100,000. The online application routes the request to the correct adjuster bond program and shows whether the bond can be issued immediately.
Term
Adjuster bonds are usually written for a one-year term and renewed with the license. Some states require a bond that runs for the full license period or a continuous term until the license is cancelled. Follow the state’s licensing instructions for the required term.

Who needs an adjuster Bond?

  • Independent adjusters applying for a state adjuster license that requires a surety bond.
  • Public adjusters who handle claims on behalf of policyholders in states with a bond requirement.
  • Adjusting firms adding a licensed adjuster or renewing a license where the state requires a bond.

Why is an adjuster Bond required?

State insurance departments use adjuster bonds to protect policyholders and the public when an adjuster handles claims or claim funds. The bond can respond to certain statutory violations, misappropriation, or failures to account for money entrusted to the adjuster.

The bond is not errors and omissions insurance. An adjuster bond generally does not cover professional mistakes in claim evaluation, so adjusters should confirm their E&O coverage separately with their insurance adviser.

How much bond do I need?

Bond amounts are set by the state insurance department and commonly range from $10,000 to $50,000. Some states set a different amount for public adjusters than for independent or company adjusters, so confirm the amount and obligee with the licensing authority.

Instant issue up to $50,000. With acceptable credit, instant issue is available above $50,000 up to $100,000. The online application routes the request to the correct adjuster bond program and shows whether the bond can be issued immediately.

Bond amount is not the premium. The required amount is the maximum the surety could pay under the bond. The premium you pay is a separate charge based on the bond amount, the risk, the term, and your credit. The online application shows the premium before you bind coverage.

How much does an adjuster Bond cost?

Premium depends on the bond amount, the state, the license type, the term, and the applicant’s credit. Adjuster bonds are typically modest in cost relative to the bond amount. Apply online for the current premium and the available term.

How to apply online

  1. Confirm the bond amount and obligee. Use the amount and legal name of the agency, court, client, or government entity that requires the bond. The obligee name must match the requiring party’s records.
  2. Gather the application information. Have the legal business or entity name, address, license or case number, ownership information, and the required bond amount ready.
  3. Start the CNA Surety application. Use the online application link on this page. The link includes the M. BURR KEIM AGENCY app code and agency code, so the application is routed to our agency.
  4. Pay the premium and bind coverage. If the bond is eligible for instant issue, the application will show the premium and let you complete the purchase online. Otherwise, the surety will review the application and contact you if additional information is needed.
  5. File the bond. Provide the issued bond to the agency, court, client, or government entity that requires it, and keep a copy for your records.
Apply for This Bond Online All Bonds

Adjuster Bond term and renewal

Adjuster bonds are usually written for a one-year term and renewed with the license. Some states require a bond that runs for the full license period or a continuous term until the license is cancelled. Follow the state’s licensing instructions for the required term.

Good to know

  • Public adjuster bonds and independent adjuster bonds may use different state forms. Confirm which license type you are applying for before you start the application.
  • If you are licensed in several states, you may need a separate bond for each state. The online application can be used for each requirement.

Adjuster Bond questions

An adjuster bond is a surety bond required by some state insurance departments before an independent adjuster or public adjuster can be licensed. It gives the state and policyholders a way to recover certain losses caused by improper handling of claims or funds.

Independent adjusters applying for a state adjuster license that requires a surety bond. Public adjusters who handle claims on behalf of policyholders in states with a bond requirement. Adjusting firms adding a licensed adjuster or renewing a license where the state requires a bond.

Premium depends on the bond amount, the state, the license type, the term, and the applicant’s credit. Adjuster bonds are typically modest in cost relative to the bond amount. Apply online for the current premium and the available term.

Bond amounts are set by the state insurance department and commonly range from $10,000 to $50,000. Some states set a different amount for public adjusters than for independent or company adjusters, so confirm the amount and obligee with the licensing authority. Instant issue up to $50,000. With acceptable credit, instant issue is available above $50,000 up to $100,000. The online application routes the request to the correct adjuster bond program and shows whether the bond can be issued immediately.

Apply online through CNA Surety using the application link on this page. The link includes the M. BURR KEIM AGENCY app code and agency code, so the application is routed to our agency. Complete the application, pay the premium online if the bond is eligible for instant issue, and then file the bond with the agency, court, or client that requires it.

No. An adjuster bond is a surety bond required by the state that can respond to certain statutory violations or failures to account for funds. Errors and omissions insurance covers professional liability claims arising from claim handling mistakes. Many adjusters need both.

Check the licensing requirements published by your state insurance department. Bond requirements differ for independent adjusters, public adjusters, and company adjusters, and some states do not require a bond at all. The state’s licensing application is the controlling source.

Online application and important note

Bond requirements, forms, amounts, and fees are set by the requiring agency, court, or carrier and can change. This page is general information, not legal advice. Confirm the current requirement with the agency, court, client, or your attorney before applying. M. BURR KEIM AGENCY is an insurance and surety bond agency; the bond or policy is issued by the carrier named on the document.