TN public adjuster bonds.
$500 flat.
Tennessee requires every public adjuster to file a $50,000 surety bond with the Department of Commerce & Insurance under Tenn. Code Ann. § 56-6-911. Ours is $500 flat — the price you see is the checkout price — and license bonds like this issue instantly, with no credit information collected on this application.
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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 arrives by email, ready to file with your Department of Commerce & 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 — Tennessee 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 Tennessee (the obligee), with your clients as the protected parties. The bond specifically authorizes recovery for anyone harmed by an adjuster's erroneous acts, failure to act, fraud, or unfair practices in the capacity of a public adjuster.
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 $50,000 filing continuous. If the surety pays a claim, you repay the surety.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — the application collects no credit information.
Start the application →Common questions.
Other Tennessee bonds.
Finish your license checklist today.
$500 flat, no credit review, bond often issued in the same sitting. Free until issued.