KY public adjuster bonds.
$500 flat.

Kentucky requires every public adjuster to obtain a fixed $50,000 bond before the Department of Insurance issues the license — ours is $500 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 KY public adjuster license — new applicants and renewals

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Fixed price, fixed amount — $50,000 bond, $500, 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. 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 — Kentucky 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 Commonwealth of Kentucky (the obligee), with your clients as the protected parties. The bond specifically authorizes recovery by anyone in Kentucky harmed by an adjuster's wrongful acts, failure to act, or conviction for fraud or unfair trade practices.

The bond must stay active for the life of your license. Kentucky raised the minimum from $20,000 to $50,000 by statute, so renewals are now written at $50,000 — we track it and notify you 60 and 30 days out, keeping your filing continuous.

KRS 304.9-430KRS 304.9-430 requires a person applying for a Kentucky public adjuster license to obtain and maintain, for the duration of the license, a surety bond (or irrevocable letter of credit) in the minimum amount of $50,000, executed by an insurer authorized to write surety in Kentucky. The bond must authorize recovery by any person in Kentucky harmed by the adjuster’s wrongful acts. The $50,000 minimum reflects an increase from the prior $20,000 figure under HB 232.

You need this bond if you're

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Applying for a KY public adjuster license — the bond is filed before the license issues

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

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Moving up to the $50,000 minimum from an older $20,000 bond

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

One application, issued instantly.

These are the actual issuing fields — the application collects no credit information.

Start the application →

FAQ

Common questions.

How much is the Kentucky public adjuster bond?The premium is $500, flat, one-time — set by our carrier's rate book for the fixed $50,000 bond amount, the same for every adjuster. The $50,000 is set by KRS 304.9-430, so there is no quote process.

Do I pay the $50,000?No. You pay $500. The $50,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

Why is it $50,000 now and not $20,000?Kentucky raised the public adjuster bond minimum from $20,000 to $50,000 by statute (HB 232). New licenses and renewals are written at the $50,000 figure; if you carry an older $20,000 bond, your renewal moves you up.

Is there a credit check?The application collects no credit information, and most applications approve instantly. If a check ever runs, it's a soft pull that won't affect your credit 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 Kentucky bonds.

Finish your license checklist today.

$500 flat, no credit review, bond often issued in the same sitting. Free until issued.

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Your price$500

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