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California Insurance Adjuster Bond

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How much does a California insurance adjuster bond cost? 

The California insurance adjuster bond costs $100 annually for independent insurance adjusters and $200 annually for public insurance adjusters. You can save money by choosing our multi-year discount to extend your claims adjuster bond term during checkout!

How do I get an insurance adjuster bond in California?

You can buy your licensed insurance adjuster bond online 24/7. Simply choose the independent insurance adjuster bond or public insurance adjuster bond from the dropdown above or the table below. You'll need to provide your name and address for California Producer Licensing Bureau filing approval. Once your payment is processed, your official California surety bond will be delivered to your email instantly.

How fast can I get an insurance adjuster bond? offers instant California insurance adjuster surety bond delivery 24/7. Purchase now to receive your official California public adjuster bond or independent adjuster bond delivered in minutes by email.

Bond Type
$2,000Independent Insurance Adjuster Bond
$20,000Public Insurance Adjuster Bond

What is a California insurance adjuster bond? 

California Insurance Code Division 5 Chapter 1 Article 4 Section 14050 requires individuals file a $2,000 surety bond before being licensed as an independent insurance adjuster. State form 31A-14 is officially titled the “Bond of Insurance Adjuster” and is used for independent adjuster licensing. The California independent adjuster bond form specifically protects any individual harmed by an independent adjuster's willful, malicious, or wrongful act.

California Insurance Code Division 5 Chapter 2 Article 4 Section 15033 requires individuals file a $20,000 surety bond before being licensed as a public insurance adjuster. State form 94A is officially titled the "Bond of Public Insurance Adjuster" but is also known as the “California public adjuster bond.” The California public adjuster surety bond specifically requires licensed public adjusters faithfully and honestly conduct business when adjusting claims for fire and allied coverages, burglary, flood, property claims both real and personal, and loss of income. 

Who needs an insurance adjuster bond in California? 

You need to file California surety bond form 31A-14 to become a licensed independent adjuster or form 94A to become a licensed public adjuster. By filing your insurance adjuster bond, you agree to comply with California Insurance Code when working as an insurance adjuster in the state. If you fail to do so, your surety company will pay valid claims to harmed individuals up to your full bond amount, which you would be required to reimburse. 

If you work as a licensed insurance adjuster in California, you might also need a California insurance broker bond or California surplus line broker bond

Who regulates licensing for insurance adjusters?

The California Department of Insurance (CDI) Adjuster Unit enforces licensing requirements for insurance adjusters in the state. You can contact the CDI Adjuster Unit by calling 1(916)492-3085 or emailing [email protected]

If you work as an insurance adjuster in states other than California, we also offer insurance adjuster bonds nationwide.

How do I update or change my insurance adjuster bond form?

If the California Department of Insurance requires your surety bond documentation to be updated for any reason, contact your surety provider. If you purchased your bond from, email [email protected] to explain the needed change. The most common changes for these bonds include updating your name or address to match your adjuster licensing paperwork.

How do you renew California insurance adjuster bonds? 

You must renew your California insurance adjuster surety bond before its current term expires to keep your license in good standing with the CDI. Once you pay your renewal invoice, renewal instructions will be emailed to you to keep your bond active for your next licensed insurance adjuster term. 

What are the requirements for a California insurance adjuster license?

Complete the following steps to apply as a licensed independent adjuster or public adjuster in California.

  1. Be at least 18 years old.
  2. Fill out an application for your individual adjuster license or business entity adjuster license.
  3. Purchase a $2,000 independent adjuster surety bond or $20,000 public adjuster surety bond.
  4. Provide an application for a branch office certificate, if applicable.
  5. Provide your fingerprints and 2x2 passport photo.
  6. Pass the licensing examination.
  7. Pay all required fees.
  8. Complete an authorization application and sample contract form.

The CDI requires insurance adjuster license application documents and fees be submitted by mail. 

California Department of Insurance
Attn: Adjuster Unit
P.O. Box 1139
Sacramento, CA 95812-1139

How long does it take to become an insurance adjuster in California? 

The length of time it takes to become a licensed insurance adjuster in California varies between a few weeks and a few months depending on how quickly you compile your required application materials. Note that 24 hours of pre-licensing education courses is required. 

Do you need a degree to be an insurance adjuster? 

You do not need a degree to become a licensed insurance adjuster in California. However, you do have to meet all requirements set by the California Department of Insurance (CDI). 

Call 1 (800) 308-4358 to talk with a Surety Expert