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Independent Adjuster Bond

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What is an Independent Adjuster Bond?

Those operating as an independent adjuster may be required to hold a license, depending on the state where they work. Part of the licensing process involves securing an independent adjuster bond, which is a form of security to safeguard the general public and the state licensing authority from bad business practices.

An independent adjuster bond is provided by a surety to the independent adjuster in need of the bond, also known as the principal. The state licensing authority requiring the bond is known as the obligee. This structure works in the same manner as other surety bonds for other professionals.

Should a claim be made against the independent adjuster bond, financial damages incurred are paid by the bond provider, but the independent adjuster repays the claim amount in full.

Who Needs to Obtain an Independent Adjuster Bond?

New Mexico, New York, and California are some states that require bonds for independent adjusters. The laws may vary for other states as well as for local municipalities. If you’re a public adjuster, the licensing requirements will expand even further. Check your state and local agency requirements for specific details.

How Do I Get an Independent Adjuster Bond?

If you are in the process of obtaining your license as an independent adjuster, you’ll also need to begin a bond application if required by your state. The process is straightforward, starting with a free quote for an independent adjuster bond which you can request online.

What Does an Independent Adjuster Bond Cost?

Independent adjusters do not have to pay the entire amount of the bond required, but are instead charged between one and five percent of the total bond amount. For example, a $10,000 independent adjuster bond with a two percent price costs $200.

Because an independent adjuster bond is a form of credit extended to the licensed adjuster, the price of the bond varies from one person to the next based on their credit history.

Can I Get an Independent Adjuster Bond with Bad Credit?

If you have had trouble managing your financial responsibilities in the past and have less than perfect credit, the surety agency that provides your bond will view you as a higher risk. To offset that risk, the percentage rate you pay for the price of an independent adjuster bond may be higher.

Frequent Questions

How much does this bond cost?

The cost is usually 1 – 10% of the bond amount. Keep in mind that pricing varies based on the bond amount, and your financial strength.

What is the process?

Apply and get approved on our website, sign the surety agreements, and we will ship the bond out. If you would like to learn more about what surety bonds are and how they work, you can read our detailed guide here.

Can I get this bond with bad credit?

Yes, it’s possible, but bad credit usually results in higher rates.

Does it matter where I get a bond?

Yes. We provide the lowest rates possible as a result of the large volume of bonds we write.

What if a false claim is filed?

You must contact us immediately, as we have a team of claim specialists here to find a resolution for you. Keep in mind, it is crucial that you work with an expert in the surety industry. Learn more about how to ensure you choose the proper bond company.

Are you looking for a different type of bond?

You can take a look at our full list of license and permit bonds.

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Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
David Tillotson
Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

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About JW Surety Bonds
We are a family owned and operated agency established in 2003. We started with just two people, and grew to become the largest volume bond producer in the nation with 50+ employees. Since day one, our team focus has been on providing real-time online quotes, an easy process, and the best in claims defense. Learn more about our company.