CA Public Insurance Adjuster License Bond

CA Public Insurance Adjuster License Bond

In the State of California, individuals and businesses applying for an insurance adjuster or public adjuster license are required to post a surety bond as part of the licensing process.

What is an insurance adjuster bond?

California insurance adjuster bonds are mandated by the California Producer Licensing Bureau as a way to ensure that insurance adjusters conduct business ethically while complying with the laws detailed in the California Insurance Code, sections 14050 and 14051.

Having a bond in place helps protect consumers against any dishonest or unlawful acts committed by the public insurance adjuster. This includes omissions, fraud, deceit, or misrepresentation.

If an adjuster violates these regulations, any damaged person may file a claim against the bond to recover financial damages.

Who needs an insurance adjuster bond in California?

The California Insurance Code defines an insurance adjuster as a person other than a private investigator who, for any consideration whatsoever, engages in the business of making an investigation for the purpose of obtaining information in the course of adjusting or participating in the disposal of any claim in connection with a policy of insurance or engages in soliciting insurance adjustment business.

How much does an insurance adjuster bond cost?

The State of California requires independent insurance adjusters to post a $2,000 bond. Public insurance adjusters are required to post a $20,000 bond.

To get your bond, you only need to pay a small percentage of the total bond amount. Below are the premiums for CA public insurance adjuster bonds based on term length:

  • 2 years: $175
  • 3 years: $225

How to become an insurance adjuster in California

You can become a California insurance adjuster by completing the following steps:

  • Submit insurance adjuster license application
  • Submit fingerprints
  • Pass the licensing exam
  • Pay all licensing and application fees
  • Complete an authorization application
  • Provide a sample contract form
  • Get an insurance adjuster surety bond

To learn more about the licensing process, visit the California Department of Insurance website.

Get your bond 

South Coast Surety offers a quick and simple process for getting your California Insurance Adjuster Bond. Fill out the application above and our surety experts will get you bonded quickly.


The California Insurance Adjuster bond is designed to protect consumers against any dishonest or unlawful acts committed by the public insurance adjuster. Including, but not limited to, omissions, fraud, deceit, or misrepresentation. If an insurance adjuster is found guilty of any wrong doing, the bond is in place to compensate the consumer.
Before conducting any business, the licensed public insurance adjuster must file this $20,000 bond with the California Producer Licensing Bureau.
1 year: $100
2 years: $175
3 years: $250
Complete the below application and submit. You can also request a PDF application via an email to