California Public Adjuster Bond

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Bond Penalty: $20,000

Applicants for licensing in this state must file a California public adjuster bond with the department of insurance. A public adjuster in California is a professional insurance claims handler however unlike an independent (or private) adjuster he or she acts as an advocate of policyholders rather than the carriers that ensure them. According to Wikipedia, a public adjuster's general responsibilities are but are not necessarily limited to:

  • Evaluate existing insurance policies in order to determine what coverage may be applicable to a claim
  • Research, detail, and substantiate damage to buildings and contents and any additional expenses
  • Evaluate business interruption losses and extra expense claims for businesses
  • Determine values for settling covered damages
  • Prepare, document and support the claim on behalf of the insured
  • Negotiate a settlement with the insurance company on behalf of an insured
  • Re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled

Given the many ways that an adjuster can engage in unethical conduct or divert third party funds to personal ends, most states strongly regulate the profession. The states that have adopted the National Association of Insurance Commissioners model rules for public adjusters largely require surety bonding as part of license approval. A California public adjuster bond is a simple code compliance obligation. The surety bond guarantees that the adjuster will "conduct business, including adjusting claims for fire and allied coverages, burglary, flood and all property claims both real and pesonal, and loss of income in a faithful and honest manner.

California surety bond leader, is a specialist in the bonding needs of the insurance sector. We offer both surety and fidelity bonds needed by claims professionals in all fifty states, Puerto Rico and the U.S. Virgin Islands. Questions about this surety bond? Call us at (800) 373-2804, email us at or click here for live chat. A California public adjuster bond is quick, easy and issued same-day.

Surety bond application review and quoting are free of charge. There is no obligation to purchase.

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