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Kentucky Public Adjuster Bond

How much does a public adjuster bond cost in Kentucky?

The Kentucky Department of Insurance requires public adjusters to post surety bonds to legally work within the state. The minimum required bond amount is $20,000. Applications should verify their required amount of bond coverage with the state prior to bonding.

These bonds are subject to underwriting, so the price you’ll pay depends not only on your required bond amount but also on a review of your personal credit report. The best way to find out exactly how much you’ll pay for your surety bond is to request a free surety bond quote now! The SuretyBonds.com experts make the bonding process fast and easy.

Bond Type Bond Amount Cost by Credit Score*
680 and up 679 - 600 599 or lower
Public Adjuster Bond Starts at $20,000 Starts at 1% 4-8% 10%+ Apply Now
*The bond premium rate quotes provided to you through this website are for pricing comparisons and quotation estimate purposes only. The bond rate quotes provided are based on general assumptions that may or may not be applicable to you and are subject to change at any time. These rate quotes do not constitute an offer of insurance, nor is any contract, agreement, or bond coverage implied, formed or bound by the provision of rate quotes. Bondability, final bond premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your bond. You must contact us directly to obtain a quote for binding purposes.

Ready to begin the application process? Give us a call at 1 (800) 308-4358, or submit a bond request now. We can typically provide your free, no-obligation bond quote within 1 business day of submitting your application.

Why do I need this bond?

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.

The experts at SuretyBonds.com make getting the surety bond you need fast and easy. Get started now!

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:

  • be at least 18 years of age
  • provide evidence of having a good reputation
  • be a resident of or have an office in Kentucky
  • successfully pass all adjuster examinations
  • be financially responsible
  • and more

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.

More licensing information can be accessed via the Important Links section of this page. Take the first step toward becoming a licensed public adjuster by purchasing the surety bond you need!

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Get a FREE Public Adjuster Bond Quote Today!

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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