KY public adjuster bonds.
$1,500. Five minutes.
Kentucky requires every public adjuster to obtain a fixed $50,000 bond before the Department of Insurance issues the license — ours is $1,500 flat, which is 3% of the bond amount. The application is five minutes, and license bonds like this are the fastest thing we issue.
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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's the application — no financials, no credit check section, no follow-up scavenger hunt.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
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.
The whole pricing page.
$50,000 bond × 3% = $1,500, one-time per term. Fixed amount, fixed price, multi-year if you want it.
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
Five minutes. The whole thing.
These are the actual issuing fields — no credit check section, because this bond doesn't have one.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Kentucky public adjuster bond? +
Do I pay the $50,000? +
Why is it $50,000 now and not $20,000? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
Finish your license checklist today.
$1,500 flat, five-minute application, bond often issued in the same sitting. Free until issued.