NJ public adjuster bonds.
$100 flat.
New Jersey requires every public adjuster to file a fixed $10,000 bond with the Department of Banking and Insurance — ours is $100 flat, set by our carrier's rate book. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.
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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's the application — no financials, no credit section, no follow-up scavenger hunt.
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.
File with your license
Your executed bond and power of attorney arrive by email, ready to file with your Department of Banking and Insurance license application or renewal. 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 — New Jersey 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 New Jersey (the obligee), with your clients as the protected parties. If an adjuster commits fraud, mishandles client funds, or otherwise violates the public adjuster law, the harmed insured 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.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — the application collects no credit information for this bond.
Start the application →Common questions.
Other New Jersey bonds.
Finish your license checklist today.
$100 flat, no credit review, bond often issued in the same sitting. Free until issued.