WI public adjuster bonds.
$200 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 $200 flat, set by our carrier's rate book for this specific bond. 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 WI public adjuster license — resident and non-resident, new and renewal

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Fixed price, fixed amount — $20,000 bond, $200, 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 arrives by email, ready to upload with your OCI license application or renewal (filed through NIPR). 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 — 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.

Wis. Stat. § 629.082 (2019 Act 129)Wisconsin Statutes ch. 629, created by 2019 Wisconsin Act 129, governs public adjusters and conditions the license on a surety bond of at least $20,000 filed with the Office of the Commissioner of Insurance, for the benefit of any person damaged by the adjuster's fraud, dishonesty, or violation of the law. Both resident and non-resident public adjusters must file the bond.

You need this bond if you're

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

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A non-resident adjuster getting licensed to work Wisconsin losses

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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

One application, issued instantly.

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

Start the application →

FAQ

Common questions.

How much is the Wisconsin public adjuster bond?The premium is a flat $200, set by our carrier's rate book for the fixed $20,000 bond amount — the same for every adjuster. The $20,000 is set by statute, so there is no quote process.

Do I pay the $20,000?No. You pay $200. The $20,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

Do non-resident adjusters need this bond too?Yes. Wisconsin requires both resident and non-resident public adjusters to file the $20,000 bond as a condition of licensure with the Office of the Commissioner of Insurance.

Is there a credit check?The application collects no credit information for this bond — most applications approve instantly. On the rare bond where a check does run, it's always a soft pull that never affects your score.

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 Wisconsin bonds.

Finish your license checklist today.

$200 flat, no credit review, bond often issued in the same sitting. Free until issued.

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Your price$200

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