MN public adjuster bonds.
$100. Five minutes.
Minnesota requires every public adjuster to file a fixed $10,000 bond with the Department of Commerce — ours is $100 flat, set by our carrier's rate book for this bond. 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 information collected, 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 Commerce 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 — Minnesota 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 State of Minnesota (the obligee), with your clients as the protected parties. If an adjuster fails to promptly pay over amounts received, or a client suffers loss from fraud, dishonesty, forgery, or theft in connection with the adjuster's duties, the harmed party can recover against the bond.
The bond must stay in effect for the term of your license. Let it lapse and you can be referred for action against the license — so we track it and notify you 60 and 30 days out, keeping your $10,000 filing continuous.
You need this bond if you're
Five minutes. The whole thing.
These are the actual issuing fields — the application collects no credit information.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Minnesota public adjuster bond? ▾
Do I pay the $10,000? ▾
How fast will I have the bond? ▾
Is there a credit check? ▾
When does it renew? ▾
Other Minnesota bonds.
Finish your license checklist today.
$100 flat, five-minute application, bond often issued in the same sitting. Free until issued.