Kentucky Public Adjuster Bond
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What Is a Kentucky Public Adjuster Bond?
The Kentucky Department of Insurance requires all public adjusters in the state to file a $50,000 public adjuster bond. This bond ensures public adjusters will conduct business according to Kentucky Code.
How Much Do Public Adjuster Bonds Cost in Kentucky?
A $50,000 Kentucky public adjuster surety bond costs a flat rate of $500. Or, you can save up to 25% by purchasing a 2-year term bond for $875 or a 3-year term bond for just $1,250.
Get your bond in minutes — no application or credit check needed!
How Does a Kentucky Public Adjuster Bond Work?
By purchasing this bond, you enter a legally-binding contract between three parties:
- Obligee: The Kentucky Department of Insurance
- Principal: You, the public adjuster
- Surety: The entity providing the bond
If a public adjuster practices unlawful business, harmed parties can file a claim to recover financial damages up to $50,000.
How Do I Get a Public Adjuster Bond in Kentucky?
To apply for and purchase your Kentucky public adjuster bond, complete the following steps:
- Buy online through our secure payment portal
- Get your bond instantly by email
- File your bond with the Division of Insurance
Be sure to include your social security number in your application for purchase approval.
How to Become a Public Adjuster in Kentucky
All public adjusters must be licensed with the Department of Insurance. To become a public adjuster in Kentucky, follow these basic requirements:
- Meet the basic qualifications according to Kentucky Code 304.9
- Pass the public adjuster examination
- Pay the $50 licensing fee
- Complete and submit your application through NIPR
- Request and submit a criminal background report through Kentucky Courts
- Create your Kentucky Online Gateway Account to upload appropriate documents
- Submit your $50,000 surety bond
Licensing requirements may differ based on resident status, so be sure to check with the Department of Insurance. All public adjusters are required to complete continuing education. For more detailed information, refer to the resources listed below.
More Resources
- Kentucky Public Adjuster Examination Study Guide
- Kentucky Court of Justice: Background Checks
- National Insurance Producer Registry Licensing Center
- Kentucky Department of Insurance: Examination Schedule and Testing Sites
- Kentucky Online Gateway Account
- Kentucky Department of Insurance: Pre-Licensing/Continuing Education Information
- Kentucky Code 304.9: Independent, Staff or Public Adjuster’s License Law
- Kentucky Code 304.9-433: Duties of a Public Adjuster
- Kentucky Revised Statutes Chapter 380
- Kentucky Department of Insurance: Division of Licensing Fee Summary
- Apply for a Resident License Checklist
Have Questions?
Call 1 (800) 308-4358 to talk with a Surety Expert today.
