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North Carolina Public Adjuster Bond

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  • Top bonding rates
  • Bad credit program

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What Is a North Carolina Public Adjuster Bond

If you’re considering to start a public adjuster business in North Carolina, you will need to undergo a rigorous licensing procedure with the state Department of Insurance. Among the criteria you have to meet is to obtain a public adjuster bond. It is necessary for obtaining your NC public adjuster license.

The required bond is a guarantee for your legal compliance. It functions like a safety net for your customers and the state in which you operate. If you fail to follow the law, the bond can be used to ensure a fair compensation to parties that suffer damages caused by your actions.

This North Carolina surety bond works like the rest of bonds. It represents a contractual agreement between three entities. Your public adjuster business is the principal that needs the bond. The NC Department of Insurance is the obligee that imposes the requirement. The surety backs your business and provides you with the bond.

Frequently Asked Questions

When is this bond necessary?

The North Carolina Department of Insurance requires all public adjusters who want to operate on the territory of the state to obtain a license. This entails posting a $20,000 surety bond.

The main function of the bond requirement is to ensure you will comply with all applicable rules, including the ones set in Article 33A, Chapter 58 of the North Carolina Statutes.

What is the surety bond cost?

Posting a $20,000 bond is one of the prerequisites you need to meet to obtain your NC license. The surety bond cost you will end up paying is a fraction of this bond amount. It is referred to as the bond premium. Applicants with stable finances typically get rates in the range of 1% to 5%.

How does the bond formation work? Your surety needs to examine your personal credit score, business financials, liquidity and assets, and any other relevant factors such as your business knowhow. On their basis, it determines how much risk your application poses. The more solid your profile is, the smaller your bond premium is likely to be.

Surety Bond Cost Based on Credit Score
Surety bond name Surety bond amount Above 700 Between 650-699 Between 600-649 Below 599
North Carolina public adjuster bond $20,000 $150-$300 $200-$500 $500-$1,000 $1,000-$2,000

Can I get the bond I need with bad credit?

With Lance Surety Bonds you can get bonded whatever your credit score is. Meet our Bad Credit Surety Bonds program - it is the bonding solution for applicants with low credit scores, tax liens, bankruptcies, or civil judgements.

To compensate for the higher bonding risk, we set bond rates of about 5%-10%. Nevertheless, our exclusive partnerships with numerous A-rated, T-listed surety companies still allow us to offer you an outstanding bond option.

How do I obtain my NC public adjuster bond?

Would you like to enrich your knowledge about bonding? Here you can find all relevant details in a concise guide: check out our How to Get Bonded page.

For more questions, our bonding specialists are here to help you. Just call us at (877) 514-5146.

What if I get a claim against my surety bond?

If you act unlawfully or unethically, you may get a claim against your public adjuster bond. This is how the bond protects your customers and the state against fraudulent and illegal actions on your side.

The sum that claimants can seek is up to $20,000, which is the bond amount you have posted. The surety may cover the claim at first. However, it is your liability to repay all costs soon after. This means that bond claims are ultimately your responsibility, so they can mean serious trouble. It’s best to stay away from situations that can lead to them.

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About Us

Lance Surety Bonds
Lance Surety Bond Associates, Inc. is a Pennsylvania-based surety bond agency that offers bonding at competitive rates in all 50 states. Established in 2010, our company has grown to become one of the top online bond producers in the country. Working exclusively with A-rated and T-listed bonding companies gives us the confidence to offer a 100% money-back guarantee. read more

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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