Not in Missouri? Public adjuster bonds in other states

Missouri public adjuster bonds.
$100 flat.

Missouri requires a licensed public adjuster to file a $10,000 bond with the Department of Commerce and Insurance — ours is $100 flat, set by our carrier's rate book for this exact bond. 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 MO public adjuster license — new applicants and renewals

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Fixed price, fixed amount — $10,000 bond, $100, 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.

SAME DAY

File with your license

Your executed bond and power of attorney arrive by email, ready to file with your Department of Commerce and 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 — Missouri 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 Missouri (the obligee), with your clients as the protected parties. If an adjuster mishandles client funds, commits fraud, or violates the public adjuster law, the harmed client can recover against the bond.

The bond must stay active for the life of your license. Let it lapse and you can be referred for action against the license — so we track it and notify you 60 and 30 days out, keeping your $10,000 filing continuous.

RSMo 325.020Missouri Revised Statutes section 325.020 conditions a public adjuster license on a surety bond filed with the Department of Commerce and Insurance: $10,000 for a licensed public adjuster (and a separate, smaller bond — generally $1,000 — for an individual adjuster employed by a business that already carries the $10,000 bond). Confirm which amount your license requires; this page is the $10,000 licensed-adjuster bond.

You need this bond if you're

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

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

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A firm carrying the $10,000 bond so your employed adjusters can file at the lower amount

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

One application, issued instantly.

These are the actual issuing fields — the application collects no credit information, because this bond doesn't need it.

Start the application →

FAQ

Common questions.

How much is the Missouri public adjuster bond?The premium is $100 flat — set by our carrier's rate book for this exact bond, the same for every adjuster. The $10,000 bond amount is set by statute, so there is no quote process; the price you see is the checkout price.

Do I pay the $10,000?No. You pay $100. The $10,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

How fast will I have the bond?License bonds like this are among the thousands of bond types that issue right after purchase — many adjusters finish the application and have the bond in the same sitting.

Is there a credit check?The application has no credit section at all — most approve instantly.

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.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Missouri bonds.

Finish your license checklist today.

$100 flat, no credit review, bond often issued in the same sitting. Free until issued.

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Your price$100

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