Kentucky public adjuster bonds.
$500 flat.
Kentucky requires every public adjuster to obtain a fixed $50,000 bond before the Department of Insurance issues the license — ours is $500 flat, the price you see is the checkout price. The bond issues the moment you pay — no credit check.
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How much does a Kentucky public adjuster bond cost?
$500 at the $50,000 amount, the same for every applicant.
Three steps. One sitting.
License bonds are the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That is the application. No credit check.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase.
File with your license
Your executed bond and power of attorney arrive by email, ready to file with your Department of Insurance license application or renewal. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
A public adjuster bond is a policyholder-protection guarantee. You negotiate insurance claims on behalf of people who've just had the worst week of their year — Kentucky wants a financial backstop that you'll handle their claims and their money honestly.
It's a three-party arrangement: you (the principal), the surety carrier, and the Commonwealth of Kentucky (the obligee), with your clients as the protected parties. The bond specifically authorizes recovery by anyone in Kentucky harmed by an adjuster's wrongful acts, failure to act, or conviction for fraud or unfair trade practices.
The bond must stay active for the life of your license. Kentucky raised the minimum from $20,000 to $50,000 by statute, so renewals are now written at $50,000 — we track it and notify you 60 and 30 days out, keeping your filing continuous.
You need this bond if you're
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
File with your license. Your executed bond and power of attorney arrive by email, ready to file with your Department of Insurance license application or renewal. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $500 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.
No credit check.
One application, issued instantly.
These are the actual issuing fields. No credit check.
Start the application →Common questions.
Other Kentucky bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your license checklist today.
$500 flat, no credit check, bond often issued in the same sitting. Free until issued.