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Kentucky

$20,000 Public Adjuster Bond

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.

$200.00

1 year term

$350.00

2 year term - save $50.00!

$500.00

3 year term - save $100.00!

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How much does a public adjuster bond cost in Kentucky?

A $20,000 Kentucky public adjuster bond costs $200 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
$20,000Public Adjuster Bond

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 obtain a Kentucky adjuster license, applicants must meet the following requirements:

  • Be a minimum of 18 years of age
  • Provide evidence of having a good reputation
  • Be a resident of or have an office in Kentucky
  • Demonstrate financial responsibility

Applicants who meet those qualifications must then do the following:

  1. Successfully pass adjuster examinations (an outline of the exam’s contents can be found here).
  2. Pay the $50 application and license fee and the $50 exam fee; residents must also pay $20 for a background check.
  3. Submit the application through NIPR, then schedule your exam through your Kentucky Online Gateway (KOG) account.
  4. Post a $20,000 surety bond (Form 99-3).

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. Public adjusters must complete 24 hours of continuing education courses, including at least three hours of ethics, to maintain their license.

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