Overview of North Carolina Public Adjuster Bond Requirements

When you apply for a public adjuster license in North Carolina, you will need to obtain a $20,000 public adjuster bond.

You are required this bond as a guarantee that you will comply with Article 33, Chapter 58 of the N.C. General Statute. This statute regulates the business of public adjusters in the state and defines their duties and obligations, as well as the consequences for violating the statute.

Violations of the statute may result in claim against your bond being filed. In particular, a claim can be filed against your bond by anyone who is harmed as a result of your action in your capacity as a public adjuster. In the case of a claim, the surety that backs your bond will extend compensation to claimants which can be as high as the full penal sum of the bond.

Never gotten bonded before? See our ‘What is a surety bond’ guide for a detailed and comprehensive introduction to surety bonds, how they function, and why you need one.

Start your surety bond application today! Why us?
  • Quick turnaround - just 1-2 business days
  • Tailor-made advice on building a strong application
  • Exclusive bad credit programs

In the sections below you can learn more about how much it costs to get bonded, how and why bond claims against this bond may arise, and how to apply to get bonded.

Do you want to speak to someone from our team about getting this bond? Call us at (866)-450-3412 anytime!

How Much Does the North Carolina Public Adjuster Bond Cost?

North Carolina public adjusters require a $20,000 bond. The cost of your bond, or bond premium, is a small percentage of its full amount. It is determined by your surety on the basis of your credit score.

Applicants with a high credit score, one of 700 FICO, are typically offered the lowest possible rates on their bond. Such applicants can usually get a bond at a rate of .75%-1.5% of the full bond amount.

Applicants with an average score are offered slightly higher quotes, upward of 1.5%.

Want to know how much your bond will cost? You can get a quick estimate through our bond calculator or the bond cost table below. Request a free and 100% exact quote by completing our bond form!

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The ballpark estimate on your premium is: $100 - $167

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NC Public Adjuster Bond Cost Based on Credit Score
Surety bond name Surety bond amount Credit Score
Above 700 Between 650-699 Between 600-649 Below 599
North Carolina Public Adjuster Bond $20,000 $150-$300 $200-$500 $500-$1,000 $1,000-$1,500

Can I get bonded if I have bad credit?

Even though you may have a low credit score, you can still get bonded for most license bonds!

Thanks to our Bad Credit Program we can provide applicants with lower scores with premiums on their bonds, and help them get bonded.

Rates for applicants with low credit are higher than for other applicants. Yet, you can improve your rate by working on your credit score.

What Can Give Rise to a Claim Against Your Bond?

§58-33A-50 of the N.C. General Statute states that this bond is intended to provide recovery by the N.C. Commissioner of Insurance for any person that suffers damages due to the actions of a public adjuster. Such actions include “erroneous acts, failure to act, conviction of fraud, or conviction of unfair practices in his or her capacity as a public adjuster.”

In such a situation, the Commissioner will file a claim against your bond, and the surety that backs the bond will typically extend compensation to claimants. Such compensation can be as high as the full amount of your bond. When a claim is covered by the surety, you will need to reimburse the surety in full because the bonded party is ultimately liable for claims against their bond.

To avoid having a claim against your bond, it is always advised that you strictly comply with the conditions of the bond and the legal provisions that regulate your business!

Apply for Your Bond Here!

Ready to get bonded? Complete our bond form and we’ll shortly provide you with your free quote and full details on completing the bonding process!

Sureties take up to two working days to issue a bond. We’ll then forward the bond to you via standard mail and email.

Start your surety bond application today! Why us?
  • The lowest possible rates
  • A 100% money-back guarantee
  • Access to specialty programs, not available to small agencies

If you have any further questions about this bond, call us at (866)-450-3412 anytime!

Useful Resources for NC Public Adjusters


About us:
Bryant Surety Bonds, Inc. is a surety bond agency based in Pennsylvania. Licensed in all 50 states and with access to over 20 T-listed, A-Rated bonding companies, we have the contacts, expertise, and top service to provide you with a hassle-free experience, all while offering competitive rates for your surety bond.