The Florida Department of Financial Services requires the Florida Public Adjuster Surety Bond for any individual looking to obtain a Public Adjuster License in Florida.

Surety1 can issue this bond for as low as a 1% rate! Apply here for a free, no-obligation quote!

What are the requirements to be a Public Adjuster in Florida?

Florida Public Adjuster Surety Bond

The State of Florida define a public adjuster as “any person who, for money, commission, or any other thing of value, prepares, completes, or files an insurance claim form for an insured or third-party claimant or who, for money, commission, or any other thing of value, acts or aids in any manner on behalf of an insured or third-party claimant in negotiating for or effecting the settlement of a claim or claims for loss or damage covered by an insurance contract or who advertises for employment as an adjuster of such claims, and also includes any person who, for money, commission, or any other thing of value, solicits, investigates, or adjusts such claims on behalf of any such public adjuster.”

To legally operate as a Public Adjuster in Florida, whether resident or non-resident, the state requires a Public Adjuster License. To obtain this license, the following prerequisites must first be met:

  • Must be at least 18 years of age
  • Must be a U.S. citizen or legal alien with work authorization
  • If a Florida resident:
    • Must reside in, or maintain a principal place of business in Florida
    • Must not hold a resident license in another state
    • Must have been licensed in Florida as an all-lines adjuster, and have been appointed on a continual basis for the previous 6 months as a public adjuster apprentice, as an independent adjuster, or as a company employee
  • If a Florida non-resident:
    • Must currently be a Florida non-resident
    • Must have been licensed and employed as a public adjuster in the applicant’s state of residence on a continual basis for the past year
      • If the applicant’s state of residence does not issue Public Adjuster Licenses, maintaining a Resident Insurance Adjuster License in any state on a continual basis for the past year will be sufficient.
    • Must submit proof of this non-Florida license (this will be emailed separately from the rest of the application)
  • Obtain an original $50,000 Florida Public Adjuster Surety Bond – this will need to be mailed to the CA Dept. of Financial Services
  • Complete the online application and remit any appropriate fees
  • Get fingerprinted
  • Schedule an examination

For more information regarding these licensing requirements and procedures, please see the Florida Division of Insurance Agent and Agency Services website regarding Resident Applications and Non-Resident Applications.

What is the purpose of a Florida Public Adjuster Surety bond?

The Florida Public Adjuster’s Bond states that you will faithfully comply with the conduct business under his/her license in accordance with the provisions of the public adjuster laws and abide by all rules and regulations of the Department of Financial Services as promulgated by the Chief Financial Officer.

If the public adjuster performs their job unethically or illegally in accordance with these regulations, a claim can be made on their Florida Public Adjuster Surety Bond. Unlike insurance, if the claim is settled, the surety company will pay out the claim, however the bond principal (the public adjuster in this case) is obligated to repay the surety company for any losses incurred.

CLICK HERE to view a copy of the Public Adjuster’s Bond Form!

Where can I get a Florida Public Adjuster Surety Bond?

In order to obtain this bond, simply fill out our free online application! One of our licensed agents will contact you within one business day with a quote for the price to obtain your bond (the “premium”). The premium will generally only be a small percentage of the ($50,000) bond amount. If you choose to move forward after receiving your quote, we will have you sign any necessary paperwork and remit the premium payment, at which time we will ship your bond to you via USPS Priority Mail (with overnight shipping options also available).

Why choose Surety1? is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. is the premier online provider of surety bonds nationwide since 2003. Our agents work with over a dozen “A” rated surety markets to ensure we are finding you the lowest price for your bond. We’ve been issuing surety bonds since 2003 and our quality, reliable service has led us to an A+ rating by the Better Business Bureau!

How to Get Your Florida Public Adjuster Surety Bond

  1. Complete an online application. It’s free and no-obligation.
  2. One of our surety experts will contact you with a firm quote and an agreement to sign.
  3. Provide payment and your signed agreement, and then you will receive your Surety Bond!

If you have any questions, please call us at 877-654-2327.

How to Get Bonded

1. Apply Online
Using our Free & Secure Application
2. Get Your Free Quote
Applications are No-Obligation
3. Get Your Bond
Most Bonds are Approved in 1-2 Business Days

Surety Bond Experts

Surety1 was founded in 2003 and helps thousands of clients find the best prices on their surety bonds. We take pride in our work so that we can give you great service. Learn more about Surety1.