Not in Louisiana? Public adjuster bonds in other states
Louisiana public adjuster bonds.
$500 flat.
Louisiana will not issue a public adjuster license until you have filed evidence of financial responsibility — a $50,000 surety bond in favor of the state under R.S. 22:1701 — and it has to stay in force for the whole life of the license. Ours is $500 flat, and the price you see is the checkout price.
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Three steps. One sitting.
The bond is the one piece of your licensing packet you can finish right now. Here’s the whole process:
Apply online
Your name or entity name exactly as it will appear on the license, your parish, your NAIC number if you have one, and an effective date. That is the application. No credit check.
Pay & e-sign
Licensing bonds like this are among the thousands of bond types that issue right after purchase.
File with the Department of Insurance
Your executed bond and power of attorney arrive by email, ready to go in with your public adjuster application. The Department wants the original on its own form, so we mail the wet-ink copy on request.
What it is and who needs it.
What the public adjuster bond actually guarantees
A public adjuster works for the policyholder, not the insurer — investigating, appraising, and negotiating a first-party claim under a contract that pays the adjuster a fee out of the settlement. Louisiana treats that as a position of trust and refuses to license anyone into it without security standing behind them. R.S. 22:1693 makes acting as an unlicensed public adjuster a crime, and requires a business entity that adjusts for the public to hold its own license with a designated licensed public adjuster answerable for compliance.
R.S. 22:1701 is the security itself. Before a license issues, and for the duration of the license, the applicant files evidence of financial responsibility in the form the commissioner prescribes: a surety bond of at least $50,000 from an insurer authorized to write surety in Louisiana, or an irrevocable letter of credit for the same amount. The bond runs in favor of the state and must specifically authorize recovery by the commissioner of insurance on behalf of any person in Louisiana who is damaged by a public adjuster’s erroneous acts, failure to act, conviction of fraud, or conviction of unfair practices.
The statute also protects the state against a silent lapse. The bond cannot be terminated unless at least 30 days’ prior written notice has been filed with the commissioner and given to the licensee, and the issuer has to notify the commissioner when a bond or letter of credit terminates. That is why continuity matters more here than the paperwork suggests: the Department learns about a gap before you do, and the license is what is exposed.
Around the bond sit the conduct rules a Louisiana public adjuster actually gets measured against — R.S. 22:1704 requires a written contract carrying the adjuster’s legible full name, Department of Insurance license number, and the full compensation, gives the insured three business days to rescind, and leaves the original open to inspection by the commissioner without notice. The bond is not insurance for you: if the surety pays a claim, you repay the surety. Louisiana adjuster licenses renew on a two-year cycle, so we track the term and send notices 60 and 30 days out.
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 the Department of Insurance. Your executed bond and power of attorney arrive by email, ready to go in with your public adjuster application. The Department wants the original on its own form, so we mail the wet-ink copy 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 — the license name, your parish, and an NAIC number if you have one. No credit check.
Start the application →Common questions.
Other Louisiana bonds.
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Price and requirements checked on the carrier’s application, . Page updated .
Get the licensing packet off your desk.
$500 flat, no credit check, bond often issued in the same sitting. Free until issued.