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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 – 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 principal, the independent adjuster in need of the bond. 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. However, the independent adjuster repays the claim amount in full.

What Does an Independent Adjuster Bond Cost?

Independent adjusters do not have to pay the entire amount of the bond required but instead, are charged a percentage of that amount between 1 and 5%. For example, a $10,000 independent adjuster bond with a 2% price costs you $200.

Because an independent adjuster bond acts as 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. If you have had trouble managing your financial responsibilities in the past and have less than perfect credit, the surety agency providing your bond views you as a higher risk. To offset that risk, the percentage rate you pay for the price of an independent adjuster bond is higher.

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.


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.

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.


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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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Our company writes $4,000,000,000+ in bonds each year!
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    Your JW surety bond agent will be your claims advocate when you need them most.

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