TX public adjuster bonds.
$100 flat.

Texas requires every licensed public insurance adjuster to file a fixed $10,000 bond with the Department of Insurance — ours is $100 flat, the price you see is the checkout price. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.

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Required for your TX public adjuster license — new applicants and renewals

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Fixed price, fixed amount — $10,000 bond, $100, no quote process

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Multi-year terms available — set it up once, forget it for up to 3 years

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

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How it works

Three steps. One sitting.

License bonds are the simplest thing in surety. Here's the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. That's the application — no financials, no credit section, no follow-up scavenger hunt.

MINUTES, USUALLY

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.

SAME DAY

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 (form FIN509). Wet-ink original mailed on request.

About this bond

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 — Texas wants a financial backstop that you'll handle their claims and their money honestly and in compliance with the law.

It's a three-party arrangement: you (the principal), the surety carrier, and the Texas Department of Insurance (the obligee), with your clients as the protected parties. If an adjuster mishandles client funds or violates Chapter 4102, the harmed client can recover against the bond.

The bond must stay active for the life of your license. Let it lapse and your license can be suspended — so we track it and notify you 60 and 30 days out, keeping your $10,000 filing continuous.

Tex. Ins. Code ch. 4102 (form FIN509)Texas Insurance Code Chapter 4102 governs public insurance adjusters and conditions the license on proof of financial responsibility filed with the Department of Insurance (§ 4102.105) — set by Department rule at a surety bond in the principal sum of not less than $10,000 (28 Tex. Admin. Code § 19.705), filed on the Department's form (FIN509) and payable to the Department for the use and benefit of any customer of the adjuster. The Department's rules call for the surety bond itself; an errors-and-omissions policy is not listed as a substitute.

You need this bond if you're

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Applying for a TX public adjuster license — the bond is filed with your application

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Renewing your license and your bond is expiring or your surety non-renewed

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A firm adding an entity license alongside your individual adjuster license

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An out-of-state adjuster getting licensed to work Texas losses

One application, issued instantly.

These are the actual issuing fields — no credit section, because this bond doesn't collect credit information.

Start the application →

FAQ

Common questions.

How much is the Texas public adjuster bond?The premium is $100 flat — set by our carrier's rate book for this bond, the same for every adjuster. The $10,000 bond amount is set by statute, so there is no quote process.

Do I pay the $10,000?No. You pay $100. The $10,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

How fast will I have the bond?License bonds like this are among the thousands of bond types that issue right after purchase — many adjusters finish the application and have the bond in the same sitting. At most, 1–2 business days.

Is there a credit check?The application collects no credit information — there's no credit section at all. Most applications like this approve instantly.

When does it renew?The bond must stay active for as long as you hold the license. You can buy a 1, 2, or 3-year term; we send renewal notices 60 and 30 days out, with autopay available, so your license never lapses over a missed email.

Related bonds

Other Texas bonds.

Finish your license checklist today.

$100 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$100

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