Florida public adjuster bonds.
$350 flat.

Florida makes every applicant for a public adjuster license file a $50,000 surety bond with the Department of Financial Services at the time of application, under §626.865(2). Ours is $350 flat, and the price you see is the checkout price.

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Required to get a Florida public adjuster license — filed with the application under §626.865(2)

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Fixed amount, fixed price — $50,000 bond, $350, no quote process

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Stays in force a year past the license — §626.865(2)(b) keeps it in effect after the license ends

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Price

How much does a Florida public adjuster bond cost?

$350 at the $50,000 amount, the same for every applicant.

How it works

Three steps to your DFS filing.

The bond is the one item on the license checklist you can finish today. Here's the entire process:

NOW · ONLINE

Apply in your own name

Your name, business address, an effective date and a term. The bond backs your individual license, so apply as yourself rather than as your firm. The application asks for a Social Security number; the form does not say whether a credit check follows.

INSTANTLY

Pay & e-sign

This bond is checkout-priced, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.

SAME DAY

Get the original to DFS

Your e-signed bond and power of attorney arrive by email. DFS's checklist asks for the original bond, on a form the Department provides, mailed to its Bureau of Licensing in Tallahassee — wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the public adjuster bond actually guarantees

A public adjuster works the policyholder's side of an insurance claim. Under §626.854, anyone who, for money or a commission, prepares or files a claim for an insured, negotiates its settlement, or advertises to do so is a public adjuster, however the business describes itself; attorneys in good standing with The Florida Bar are carved out (§626.860). The Department of Financial Services licenses the work, and §626.865(2) requires every applicant to file a $50,000 bond from a surety insurer authorized in Florida when they apply.

The bond runs in favor of the Department, and it must specifically let the Department recover the damages sustained if a licensee is guilty of fraud or unfair practices in the adjusting business. The Department's own bond form, DFS-H2-72, conditions it on following the public adjuster laws in Part VI of Chapter 626 and every DFS rule. The surety's total liability for all claims is capped at the $50,000. It is not insurance for you — if the surety pays a claim, you repay the surety.

The bond also outlasts the license it backs. You keep it unimpaired for as long as you are licensed, and §626.865(2)(b) keeps it in effect for one year after the license expires or is terminated, so recovery for work done under the license stays open for that year. The surety can cancel only on at least 30 days' written notice to you, filed with the Department. We track the renewal and send notices 60 and 30 days out so the filing never lapses.

§626.865(2), Fla. Stat. · Rule 69B-211.002(5), F.A.C. · Form DFS-H2-72Section 626.865(2), Florida Statutes, requires an applicant for a public adjuster license to file with the Department of Financial Services, at the time of application, a bond executed and issued by a surety insurer authorized to transact such business in Florida, in the amount of $50,000, conditioned for the faithful performance of the applicant's duties as a public adjuster, and to maintain it unimpaired throughout the existence of the license. The bond must be in favor of the Department and authorize it to recover damages for fraud or unfair practices; it must remain in effect for 1 year after the license expires or is terminated; the surety's aggregate liability may not exceed the bond amount; and it may not be terminated without at least 30 days' written notice to the licensee, filed with the Department. Rule 69B-211.002(5), F.A.C. names the form, DFS-H2-72, Public Adjuster's Bond. The Department's checklist for the 3-20 resident license asks for an original bond on a form the Department provides, mailed to the Bureau of Licensing, 200 East Gaines Street, Room 419, Tallahassee, FL 32399-0319; the form itself calls for the principal's signature to be witnessed, a certified copy of the attorney-in-fact's power of attorney, and a countersignature by a Florida licensed general lines agent of the surety. Public adjuster apprentices (§626.8651) and nonresident public adjusters (§626.8732(3)) file their own $50,000 bonds under separate sections.

You need this bond if you're

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Applying for a Florida resident public adjuster license — DFS license type 3-20; the bond is filed when you apply

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Moving up after six months as an appointed adjuster — an all-lines adjuster appointed as an apprentice, independent or company adjuster (§626.865(1)(e))

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A Florida nonresident public adjuster becoming a resident — six months of continual appointment here qualifies you to apply

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Applying again after a license expired or was terminated — a new application means a new exam and a bond filed with it

After you buy

Claims, renewal, filing, and what sets the price.

If a claim is made

A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.

The surety investigates and pays a valid claim, up to the $50,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.

Renewal and term

The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.

Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.

How to file it

Pay & e-sign. This bond is checkout-priced, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.

What sets the price

The premium is fixed at $350 at the $50,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.

One application, issued instantly.

These are the actual issuing fields. The application asks for a Social Security number; the form does not say whether a credit check follows.

Start the application →

FAQ

Common questions.

How much is the Florida public adjuster bond?The premium is $350 flat — set by our carrier's rate book for this bond, the same for every adjuster. The $50,000 bond amount is fixed by §626.865(2), so there is no quote process and the price you see is the checkout price.

Do I pay the $50,000?No. You pay $350. The $50,000 is the most the surety can pay on claims against the bond — §626.865(2)(c) caps its aggregate liability at the bond amount. It is not a deposit, and nobody holds your money; if the surety does pay a claim, you repay it.

How fast will I have the bond?This one is checkout-priced, so it issues the moment you pay — the executed bond and power of attorney arrive by email in the same sitting. DFS's checklist asks for the original bond, on a form the Department provides, by mail to its Bureau of Licensing, so ask for the wet-ink original when you buy.

Is there a credit check?The application asks for a Social Security number. Whether a credit check follows is not stated on the form. The number is part of the filing either way: the Department's bond form, DFS-H2-72, carries an SS#/FL License# line beside the principal's name.

Do apprentices and nonresident adjusters use this bond?They file their own. This page covers the bond for the resident public adjuster license under §626.865(2), DFS license type 3-20. A public adjuster apprentice appointment (§626.8651) and a nonresident public adjuster license (§626.8732(3)) each require a separate $50,000 bond in favor of the Department, so check with the DFS Bureau of Licensing which form your filing takes before you buy.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

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Been told you need a different amount?

Take the bond off your license checklist today.

$350 flat for the $50,000 bond, issued the moment you pay. Free until issued.

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