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Kentucky Public Adjuster Bond

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Purchase your bond instantly online when you choose one of the 3 term options below. Save time and money by extending your bond term. Choosing a longer term now means you pay 25% less for your bond each year and forego the annual renewal process.

  • $100.00
    1 year term

  • $175.00
    2 year term - save $25.00!

  • $250.00
    3 year term - save $50.00!

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Want your bond tomorrow? Buy your bond now and choose overnight shipping at checkout.

How much does a $20,000 public adjuster bond cost in Kentucky?

A $20,000 Kentucky public adjuster bond costs $100 without underwriting. Simply click Buy Now to be directed to our secure bond checkout where you can buy your bond instantly. It only takes a few minutes to be on your way to getting bonded as a public adjuster in Kentucky.

Bond Type Bond Amount Cost
$20,000 Public Adjuster Bond $20,000 $100

Why do I need this bond?

The Kentucky Department of Insurance requires public adjusters to post surety bonds to legally work within the state.

By posting a Kentucky financial responsibility bond, principals (public adjusters, agents, consultants, surplus lines brokers and life settlement providers/brokers) agree to comply with all provisions of KRS 304.9-105, 304.9-330, 304.9-705(3), 304.10-140, 304.15-700 or 806 KAR 9:030, Section 1. The bond protects any person who suffers loss as a result of the principal’s erroneous actions or unlawful business practices up to the full amount of the bond.

What’s the fine print?

Public adjuster bonds in Kentucky remain in force until the principal’s license is revoked or otherwise terminated or until the bond is canceled by the surety. The surety can cancel the bond by giving written notice of cancellation to both the principal and the Commissioner of the Department of Insurance. Cancellation becomes effective 30 days after the receipt of said notice.

Kentucky financial responsibility bond forms cover agents, public adjusters, consultants, surplus line brokers and life settlement providers/brokers, so applicants should make sure to indicate the appropriate license type on the bond form.

All bonds in Kentucky are subject to a 1.8% state surcharge.

How to become a public adjuster in Kentucky

To become a licensed public adjuster in Kentucky, applicants must meet the following requirements:

  • Minimum 18 years of age
  • Post $20,000 surety bond
  • Provide evidence of having a good reputation
  • Resident of or have an office in Kentucky
  • Successfully pass adjuster examinations
  • Demonstrate financial responsibility

Public adjuster and insurance agent applications must be sent to the Commissioner of the Department of Insurance. All applications must be accompanied by all necessary fees and the appropriate surety bond.

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Additional Resources

Kentucky Department of Insurance Adjuster/Apprentice Information

304.9 Independent, staff, or public adjuster’s license

Kentucky Legislature Kentucky Revised Statutes KRS Chapter 304.9

Kentucky Revised Statutes KRS Chapter 380

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