WA public adjuster bonds.
$100 flat.
Washington requires every public adjuster to file a fixed $5,000 bond with the Office of the Insurance Commissioner before a license issues. The price is $100 flat, issued instantly — the same for every adjuster. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.
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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 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 the Insurance Commissioner
Your executed bond and power of attorney arrive by email, ready to file with your OIC 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 — Washington wants a financial backstop that you'll account honestly for their claims and their money.
It's a three-party arrangement: you (the principal), the surety carrier, and the people of the State of Washington (the obligee), with your clients as the protected parties. The bond is contingent on your accounting to any insured whose claim you handle for the money or settlement received — if you fail to, the harmed client can recover against the $5,000 bond.
The bond must stay in force for the life of your license. The surety may cancel only on 30 days advance written notice to the Commissioner, and the bond stays in force until the surety is released or cancels — so we track it and notify you 60 and 30 days out, keeping your filing continuous.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — no credit section, because this bond doesn’t have one.
Start the application →Common questions.
Other Washington bonds.
Finish your license checklist today.
$100 flat, no credit review, bond often issued in the same sitting. Free until issued.