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California Insurance Adjuster Bonds

What is a California Insurance Adjuster Bond?

Those who hold or are applying for a California insurance adjuster or public adjuster's license must also furnish a Bond of Insurance Adjuster or Bond of Public Insurance Adjuster in the penal sum of $2,000 or $20,000 respectively. The bonds obligate the principal to abide by the California Insurance Code, sections 14050 and 14051. Pursuant to Section 14021 of the California Insurance Code, the state defines an insurance adjuster as "a person other than a private investigator who, for any consideration whatsoever, engages in the business of making an investigation for the purpose of obtaining information in the course of adjusting or participating in the disposal of any claim in connection with a policy of insurance or engages in soliciting insurance adjustment business."

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Why is a California Adjuster Bond Required?

The bond ensures that the insurance adjuster fully complies with the provisions of the California Insurance Code, sections 14050 and 14051. The surety bond also requires faithful and honest business conduct by the principal. Any person who may be injured by the willful, malicious, or wrongful act of the bonded principal may bring an action on this bond to recover financial damages incurred.

Adjuster Bonds And Getting Your California Business License/Registration

  • Must be 18 years of age or older
  • California business address required
  • Insurance Adjuster Bond in an amount of $2,000
  • Meet the certified experience requirement of 2 years in insurance adjusting field. 2,000 hours of paid time is considered a year of experience
  • Pass the California Department of Insurance state licensing exam
  • Complete the California Insurance Adjuster License application
  • Pay the application fee
  • Provide fingerprints
  • Submit background check
  • Meet continuing education requirements are every two years for license renewal

Additional California Adjuster Bond Resources & Links

California Insurance Adjuster Licensing Information