Wisconsin public adjuster bonds.
$140 flat.
Wisconsin requires every public adjuster — resident and non-resident — to file a $20,000 bond with the Office of the Commissioner of Insurance (OCI). Ours is $140 flat, set by our carrier's rate book for this specific bond. The bond issues the moment you pay — no credit check.
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How much does a Wisconsin public adjuster bond cost?
$140 at the $20,000 amount, the same for every applicant.
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 is the application. No credit check.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase.
File with your license
Your executed bond arrives by email, ready to upload with your OCI license application or renewal (filed through NIPR). 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 — Wisconsin 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 Wisconsin (the obligee), with your clients as the protected parties. If an adjuster commits fraud, misrepresentation, or otherwise mishandles client funds, the harmed client can recover against the bond.
The bond must stay active for the life of your license. Wisconsin's public adjuster law (2019 Act 129) took effect for licensing in 2020, and the $20,000 bond is a condition of holding the license — so we track it and notify you 60 and 30 days out, keeping your filing continuous.
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 $20,000 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 your license. Your executed bond arrives by email, ready to upload with your OCI license application or renewal (filed through NIPR). Wet-ink original mailed on request.
What sets the price
The premium is fixed at $140 at the $20,000 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. No credit check.
Start the application →Common questions.
Other Wisconsin bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your license checklist today.
$140 flat, no credit check, bond often issued in the same sitting. Free until issued.