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.

 Apply here for a free, no-obligation quote!

What is 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 be a Florida public adjuster, you must:

  1. Be at least 18 years old.
  2. Be a resident of Florida or maintain a principal place of business in Florida.
  3. Have a good moral character.
  4. Not have been convicted of a felony or certain misdemeanors.
  5. Pass a criminal history background check.
  6. Pass the Florida public adjuster exam.
  7. Purchase and file a $50,000 Florida Public Adjuster Surety Bond with the Florida Department of Financial Services (DFS).

To apply for a public adjuster license, you must complete an application and submit it to the DFS. The application fee is $100.

Once you have submitted your application and all required fees and documentation, the DFS will review your application and conduct a criminal history background check. If your application is approved, the DFS will issue you a public adjuster license. Your license will be valid for two years and must be renewed every two years. To renew your license, you must pay a renewal fee and submit a renewal application.

You can find more information about the public adjuster licensing process on the DFS website.

What is the purpose of the surety bond?

If the public adjuster fails to comply with the Florida Statutes regarding public adjusters, or if they engage in fraudulent or unethical activities, the surety company will pay out claims to consumers who have been harmed by the public adjuster’s actions. The surety company will then seek reimbursement from the public adjuster.

Here are some examples of actions that could lead to a claim on a Florida Public Adjuster Surety Bond:

  • Making false or misleading statements to clients
  • Engaging in fraud or deceptive practices
  • Failing to properly investigate or adjust claims
  • Misusing client funds
  • Charging excessive fees

How to Obtain a Florida Public Adjuster Surety Bond?

At we make it easy to obtain this surety bond. Our simple, three step process is:

  1. Complete the easy to navigate and secure online application1
  2. Review the free, no obligation quote from one of Surety1’s professional surety bond agents, usually within one business day.
  3. Sign some paperwork and pay the bond premium

Once these steps have been completed, the Florida Public Adjuster Surety Bond will be shipped to the bond applicant.
1 -The name of the applicant on the surety bond application must match exactly the full legal business name of applicant for the license. is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. Representing over a dozen surety bond companies, is the premier online provider of surety bonds nationwide since 2003.

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.

0 Happy Customers
Since 2003