Texas Public Adjuster Surety Bond

Texas public adjusters need to get a $10,000 surety bond with their license.

How to become a Texas public adjuster

The Texas Department of Insurance licenses public adjusters in the state. Most applicants will need to take — and pass — the public adjuster exam and pay the $48 exam fee. After passing the exam, would-be adjusters need to finish the application process within one year. Public adjusters whose license has been expired for more than 90 days but less than one year or who are licensed in good standing in a reciprocal state do not need to take the exam.

Here’s some of the other information and fees Texas requires:

• $50 application fee
• Fingerprint background check
• Personal information including address, social security number and date of birth
• $10,000 surety bond
• Name of the firm applicant will work for

Why is this bond required?

Texas public insurance adjusters need a surety bond to protect consumers from financial damages. If the adjuster violates their profession’s laws — or the terms of the surety bond — and a client incurs financial damage as a result, the client can file a claim on the surety bond to recoup losses.

Public adjusters need $10,000 of surety bond coverage, but that’s not what the bond will cost you. You could get this bond for as little as $100 — call Absolute Surety today for a free quote!

Licensing Resources

• Texas Department of Insurance 
• Application with exam
• Application without exam
• ​Texas public adjuster bond form
• 28 Texas Administrative Code §19.705
• Texas Insurance Code, Chapter 4102