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Florida Public Adjuster Bond

  • Apply for your Florida public adjuster bond today
  • Top bonding rates for public adjuster bonds
  • Bad credit program

public adjuster bond

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What Is a Florida Public Adjuster Bond?

If you want to operate as a public adjuster in Florida, you need to get licensed with the state Chief Financial Officer’s Division of Insurance Agent and Agent Services. Obtaining a Florida public adjuster bond is one of the main licensing requirements.

The purpose of public adjuster bonds is to protect the interests of adjusters’ customers from unlawful actions. If you fail to follow the rules, you can face a claim on your bond. This, in turn, can serve as a compensation for affected parties.

Your Florida public adjuster bond functions like other surety bonds. It represents a contractual agreement between three parties. The principal is your public adjuster company. The Division of Insurance Agent and Agent Services is the obligee that requires you to get bonded. The surety is the entity that provides your bond.

Apply for your surety bond today and lock your rate for 90 days!

Frequently Asked Questions

Who needs to obtain a Florida public adjuster bond?

Public adjusters in Florida who want to serve as representatives for clients in insurance claims need to be licensed with the Division of Insurance Agent and Agent Services. As a part of their licensing process, they need to obtain a bond.

The bond provides an extra layer of guarantee for your clients and for the licensing authority. It ensures you will adhere to the professional standards in serving your customers.

How much does a Florida public adjuster bond cost?

The bond amount that Florida public adjusters need to post is $50,000. Your bond price, however, is different. The bond premium is only a fraction of the total amount. If your overall finances are in good shape, you need to cover only 1%-3% of the bond amount. This means that you might have to pay only $500-$1,500 to get bonded.

Expected Premiums
Bond Type Surety Bond Amount Above 700 Between 650-699 Between 600-649 Below 599
Florida Public Adjuster Bond $50,000 $375-$750 $500-$1,500 $1,250-$2,500 $2,500-$5,000

How exactly is your bond premium calculated? When you apply with a surety, they examine your personal and business finances. The surety considers your personal credit score, business finances, and assets and liquidity. The goal is to assess the risk involved in bonding you. If you are seen as a low-risk applicant, you’re likely to get a lower bond premium.

You can consult our surety bond cost page to find out more details about how your bond price is set.

Can I get a Florida public adjuster bond with bad credit?

Lance Surety Bonds operates its Bad Credit Surety Bonds program to help applicants with low credit scores, tax liens, bankruptcies, or civil judgements. You can still get the bond you need, even if your finances aren’t perfect.

The risk in bad credit bonding is higher. That’s why the bonding rates are between 5% and 10%. With us, however, you are still guaranteed a great rate. We work with a number of A-rated, T-listed surety companies. This allows us to shop around for the best bonding option for you.

How do I get bonded?

You can start your bonding process today. Just apply online for a free Florida public adjuster bond quote. Want your exact price? We’ll deliver it in no time after you submit your full application and documents.

Apply for a free no-obligations quote on your surety bond!

If you need more information about the process, you can check our How to Get Bonded page for further details.

For any questions, just call us at (877) 514-5146. Lance Surety Bonds’ experts will provide you with the help you need.

How are bond claims handled for public adjusters?

The purpose of your surety bond is to protect your customers. This means it does not function like insurance for your business. In case you engage in unlawful activities and this leads to negative results for another party, they can file a claim against your bond.

If the case against you is proven, you are liable to compensate the claimants. Because of the bonding, your surety will cover the costs at first. However, you need to reimburse it fully afterwards.

Aside from the financial harm, claims can damage your reputation too. After a proven claim, it can also be difficult to get bonded again.

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What Our Clients Have To Say?




Kimberlee Ables
Quick response times and turn around for issuing bonds. Great customer service and very knowledgeable. We have used Lance Surety multiple times and have never been disappointed. Highly recommend them and Collette!
Andrew Poincot
Long story short, these guys cut through the B.S. and get the job done. Responsiveness, excellent! Communication, excellent! Respect for their industry partners, excellent! John, Collette, Ryan, you're all-stars! Thank you!
Margie Martinez
We decided for Lance Surety Bond's quote for 2 reasons; Price and Customer Service. Our Representative Ryan was just SUPERB!! [...] I highly recommend Lance Surety Bond for all your Bonding needs! I'll definitely come back for all of mine. :-) Thanks Ryan!

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