California adjuster license bond

California Insurance Adjuster Bond Requirements, Cost & Filing Guide

Get the California adjuster bond required for your license. Jet helps California insurance adjusters and public insurance adjusters choose the correct bond, review price options, and receive filing instructions after purchase.

California has two adjuster bond options: the $2,000 Insurance Adjuster Bond and the $20,000 Public Insurance Adjuster Bond. The correct bond depends on the license type required by the California Department of Insurance.

The bond protects the public, policyholders, claimants, and the California Department of Insurance if an adjuster violates covered licensing laws or causes a covered loss. The bond amount is not the price paid for the bond.

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Last updated: June 2026. California adjuster bond requirements and filing instructions may change. Confirm final licensing instructions with the California Department of Insurance before filing.

California Adjuster Bond Quick Answers

Question Short Answer
Who needs a California adjuster bond? California insurance adjusters and public insurance adjusters may need a surety bond before receiving or renewing an adjuster license.
What bond amount is required? California lists a $2,000 Insurance Adjuster Bond and a $20,000 Public Insurance Adjuster Bond.
How much does the bond cost? The $2,000 Insurance Adjuster Bond is $3 monthly or $60 for a two-year term. The $20,000 Public Insurance Adjuster Bond is $8 monthly, $75 for a one-year term, or $150 for a two-year term.
Which California adjuster bond do I need? Insurance adjusters need the $2,000 Insurance Adjuster Bond. Public insurance adjusters need the $20,000 Public Insurance Adjuster Bond.
Who does the bond protect? The public, policyholders, claimants, and the California Department of Insurance.
Is the bond insurance for the adjuster? No. The bond protects others. If the surety pays a valid claim, the adjuster must reimburse the surety.
How do I buy the bond? Start a quote online, choose California and the correct license type, review the available term options, and follow the filing instructions provided after purchase.

Start My California Bond Quote

California Adjuster Bond Cost

California adjuster bond pricing depends on the required bond limit, license type, term length, and underwriting rules. The $2,000 Insurance Adjuster Bond and the $20,000 Public Insurance Adjuster Bond are priced separately.

Bond Type Bond Amount Monthly Option One-Year Option Two-Year Option
Insurance Adjuster Bond $2,000 $3 monthly $60 for a two-year term
Public Insurance Adjuster Bond $20,000 $8 monthly $75 for a one-year term $150 for a two-year term

Bond Amount vs Bond Cost

The bond amount is the maximum coverage required by the state. The bond cost, also called the premium, is the price the adjuster pays to purchase the bond. These are not the same thing.

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Which California Adjuster Bond Do I Need?

The correct California adjuster bond depends on the license type listed on your application or renewal paperwork. Use the exact license name provided by the California Department of Insurance when requesting your quote.

If Your License Type Is You Likely Need Bond Amount Start Quote
Insurance Adjuster California Insurance Adjuster Bond $2,000 Get Quote
Public Insurance Adjuster California Public Insurance Adjuster Bond $20,000 Get Quote

Not sure which bond applies? Contact Jet at (855) 516-3348 or [email protected] before starting your quote.

Get Your California Adjuster Bond Quote

Start your quote online and select California as the state. Then choose the license type that matches your adjuster bond requirement: Insurance Adjuster or Public Insurance Adjuster.

  • Online quote request
  • Monthly, one-year, and two-year options when available
  • California-specific filing instructions
  • Direct filing guidance from Jet
  • Support for renewals and multi-state adjuster bond needs

Start My Bond Quote

Have your state, license type, and applicant information ready.

Questions? Call (855) 516-3348 or email [email protected].

Online Purchase
California-Specific Bonds
Direct Filing Guidance
Renewal Support

Ready to Get Licensed?

Start your California adjuster bond quote online. Jet will help match the bond to the California license type required for your application.

Need help? Call (855) 516-3348 or email [email protected].

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What You Need to Start a California Adjuster Bond Quote

1

Your State

Select California as the state where you are applying for or renewing your adjuster license.

2

Your License Type

Choose the exact California license type, such as Insurance Adjuster or Public Insurance Adjuster.

3

Applicant Information

Provide the individual or business name that must appear on the bond, along with any required contact and license details.

Start My California Adjuster Bond Quote

Who Needs a California Adjuster Bond?

1

Insurance Adjusters

California insurance adjusters may need the $2,000 Insurance Adjuster Bond before receiving or renewing a license.

2

Public Insurance Adjusters

California public insurance adjusters may need the $20,000 Public Insurance Adjuster Bond before receiving or renewing a license.

3

Multi-State Adjusters

If you work in more than one state, you may need a separate bond for each license and each state filing.

What Is the Purpose of a California Adjuster Bond?

A California adjuster bond is a promise backed by a licensed surety that the adjuster will follow the laws and rules tied to the license. It gives regulators and consumers a path to recover covered losses when an adjuster acts fraudulently, violates licensing rules, mishandles funds, or fails to correct covered harm.

The bond creates accountability by requiring the adjuster to repay the surety if a valid claim is paid.

California Adjuster Bond vs Insurance

A California adjuster bond protects the public and the regulator. It is not insurance for the adjuster. Errors and omissions insurance may protect the adjuster, while the bond exists to satisfy licensing requirements and protect others.

How the Process Works

Start Your Application Online

Enter basic information about the California adjuster license and required bond.

Review Your Quote

Select monthly, one-year, or two-year terms when available. Pricing varies by bond limit and license type.

Pay Online

Complete checkout and receive your bond form, receipt, and filing instructions.

File the Bond

Jet provides filing instructions after purchase and can help with filing when available.

California Adjuster Bond Requirements

Requirements Vary by License Type

California adjuster bond requirements vary by license type. Use the guide below as a starting point to identify the listed bond limit for your license.

California Bond Limits Are Not Priced the Same

Each bond limit and license type is priced separately. The table below lists the required bond limit, but the price depends on the license type, term, underwriting rules, and current Jet pricing.

State License Type Bond Limit Start Quote
California Insurance Adjuster $2,000 Get Quote
California Public Insurance Adjuster $20,000 Get Quote

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Who Files a California Adjuster Bond?

Filing depends on the license type and California Department of Insurance instructions. Some bonds may need to be mailed as an original signed and sealed bond with the application or renewal paperwork.

Original Bond Mailing

If the California Department of Insurance requires the original bond, submit the signed and sealed bond according to the instructions provided with your license application.

California adjuster bond filings may be mailed to:

California Department of Insurance
Attn: Adjuster Unit
PO Box 1139
Sacramento, CA 95812

Self-Filing

Some applicants prefer to attach the bond to a larger license application package. Jet provides filing instructions after purchase so you know whether the bond should be mailed, attached to paperwork, or handled another way.

Contact Jet at (855) 516-3348 or [email protected] and we can help confirm the filing method for your license type.

Multi-State Adjusters

Working across state lines is common during catastrophe seasons and for national programs. Keep each license organized so bonds do not lapse or get filed incorrectly.

Bonds Are Jurisdiction Specific

Most states require a separate bond that matches the exact license name, state requirement, and principal information.

Filing Methods Vary

Some regulators accept electronic filing, while others require original signed and sealed bonds.

Pricing Varies by State

Each state limit and license type is priced separately. Do not assume that two states with similar limits will have the same premium.

Individual vs Entity Requirements

Some states require the individual adjuster to be bonded. Others require the business entity. A few may require both.

Need Bonds in Multiple States?

If you need adjuster bonds for multiple states or license types, reach out to Jet to discuss the states, limits, filing methods, and renewal timing needed for your licenses.

Call: (855) 516-3348
Email: [email protected]

How to Avoid a California Adjuster Bond Claim

  • Use a clear written agreement that explains scope and fees.
  • Keep organized claim files and communication logs.
  • Handle client funds through a proper escrow or trust account when required.
  • Be accurate and honest in statements, estimates, and reports.
  • Respond quickly to consumers and regulators.
  • Renew your bond before it lapses if your California license remains active.

What Happens if a Claim Is Filed?

Jet investigates, requests documents, and makes a decision. If the claim is valid, Jet pays up to the bond limit and then seeks reimbursement from the bonded principal under the indemnity agreement.

Want to Know More About Adjuster Bond Processes?

How to Renew My Bond

For annually purchased bonds, see Jet’s process to renew your bond.

How to Cancel My Bond

See the details surrounding cancelling your bond.

Bond Claim Process

Find out what causes a claim and what happens after a claim is made.

Questions about renewals, cancellations, or claims? Contact Jet at (855) 516-3348 or [email protected].

California Adjuster Bond FAQ

What is a California adjuster bond?

A California adjuster bond is a license surety bond required before certain adjusters can be licensed. It protects policyholders, claimants, the public, and the regulator if the adjuster violates licensing laws or causes a covered loss.

Who needs a California adjuster bond?

California insurance adjusters may need a $2,000 Insurance Adjuster Bond. California public insurance adjusters may need a $20,000 Public Insurance Adjuster Bond.

How much does a California adjuster bond cost?

The $2,000 California Insurance Adjuster Bond is $3 monthly or $60 for a two-year term. The $20,000 California Public Insurance Adjuster Bond is $8 monthly, $75 for a one-year term, or $150 for a two-year term.

What California adjuster bond limit do I need?

California lists a $2,000 Insurance Adjuster Bond and a $20,000 Public Insurance Adjuster Bond. The correct bond depends on your license type.

How do I buy a California adjuster bond online?

Start a quote online, select California and the correct license type, review the available term options, and follow the filing instructions after purchase. For help, call Jet at (855) 516-3348 or email [email protected].

Are both California adjuster bond limits priced the same?

No. Each license type and bond limit is priced separately. The $2,000 Insurance Adjuster Bond and $20,000 Public Insurance Adjuster Bond do not have the same premium.

Is a California adjuster bond insurance?

No. A California adjuster bond is not insurance for the adjuster. It protects the public and regulator. If the surety pays a valid claim, the bonded adjuster must reimburse the surety.

Who files the California adjuster bond?

Filing depends on the license type and California Department of Insurance instructions. Jet provides filing instructions after purchase and can help confirm whether the bond should be mailed, attached to an application, or handled another way.

Can Jet help with adjuster bonds in multiple states?

Yes. If you need adjuster bonds in multiple states, contact Jet at (855) 516-3348 or email [email protected] to discuss the states, license types, bond limits, and filing instructions needed.

Get the Bond Required for Your California Adjuster License

Start your quote online and choose the California license type that matches your application.

Call: (855) 516-3348
Email: [email protected]

Get My Bond Quote

Notary Bond Application:

X

Business Information:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Employee Dishonesty Bond Application:

Business Information:

Business Description:

Coverage Requirements:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Contract Bond Application:

X

Business Information:

Owner Information:

Job Details:

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information:

Worker's Compensation Application:

X

Business Information:

Business Description:

Coverage Requirements

Indemnity Agreement:

I, the undersigned, hereby apply for a Dishonesty Bond also known as a Business Service Bond or Janitorial Service Bond (“bond”) to the Surety Company (“SURETY”) through Jet Insurance Company (“JET”), with whom I hereby grant the authority to act on my behalf with respect to the bond and assign as my Broker of Record, and declare that the statements herein are true and correct. In consideration of the SURETY issuing, renewing or substituting said bond(s), I, individually and as the owner or officer of the bonded entity, hereby understand and agree, as follows: (i) to reimburse, hold harmless, and indemnify SURETY upon demand for all loss, liability, claim, expense, including but not limited to attorneys’ fees, expert’s fees, investigative fees and claims handling fees, and any other cost which SURETY shall pay or incur in defense, adjustment, or settlement of such claims/suits by reason of such suretyship; (ii) that an itemized statement of loss and expenses by SURETY shall be indisputable proof of my liability to SURETY; (iii) coverage is subject to a $100 deductible; (iv) the employee must be convicted before coverage will apply (v) performance and any form of dispute resolution of this agreement shall take place in the county of SURETY's office of service; and (vi) a facsimile copy or electronically signed version of this agreement shall be binding as if it were an original. This agreement shall survive any changes in, substitute to or renewal of the bond(s).

Required Effect Date of Bond Policy:

Contact Information: