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Illinois
Public Adjuster Bond

400,000+ Bonds issued to 250,000+ satisfied customers.

Coverage Amount: $50,000
Term Length: 1 year
Cost: $500
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Illinois Public Adjuster Bond Overview

  • Purpose: To hold public adjusters financially liable for fraudulent or dishonest practices
  • Who Needs It: All public insurance adjusters working in Illinois
  • Regulating Body: The Illinois Department of Insurance
  • Required Coverage: $50,000
  • Premium Rate: $500 for a 1-year term

If you are working as a public insurance adjuster in Illinois, you'll need to purchase a surety bond. Read on to learn all about the bonding process.

What Is an Illinois Public Adjuster Bond?

The Illinois Department of Insurance requires all public insurance claims adjusters to file a $50,000 public adjuster bond. This ensures that insurance adjusters follow state laws and protects claimants from unethical business practices. 

Who Needs a Public Adjuster Bond? 

Anyone who wishes to become a public adjuster in Illinois needs a surety bond or an irrevocable letter of credit to prove financial security. However, surety bonds are typically a more efficient and affordable option.

If you are an insurance producer in Illinois, you need a different bond. Get your Illinois insurance producer bond today.

How Much Do Public Adjuster Bonds Cost in Illinois?

A $50,000 Illinois public adjuster bond costs $500 for a 1-year term — no credit check required. Or, you can save 25% by selecting a multi-year term.

Get your bond today in minutes!

Bond Type
$50,000Public Adjuster Bond$50,000 Bond Amount Effective January 1, 2024

SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees. 

How Does an Illinois Public Adjuster Bond Work? 

By purchasing an Illinois public adjuster bond, you enter a three-party legal contract:

Bond PartyDescription
1. PrincipalYou, the licensed public adjuster 
2. ObligeeThe Illinois Department of Insurance
3. SuretyThe issuing surety provider

If a public adjuster is guilty of fraudulent or prohibited practices, a claim can be made to recover damages. 

How Do I Get a Public Adjuster Bond in Illinois?

Getting your Illinois public adjuster bond is simple. To purchase your bond, complete the following steps:

  1. Buy online through the secure payment portal
  2. Get your bond electronically via email
  3. File your bond with the Department of Insurance via the NIPR electronic portal

When buying online, include the following:

  • The name of the public adjuster’s employer (individual or company)
  • SSN if applying as a sole proprietor
  • Tax ID if applying as a business

How Fast Can I Get My Bond?

SuretyBonds.com offers instant Illinois public adjuster bond delivery 24/7. Purchase today to receive your public adjuster bond via email in minutes.

Illinois Public Adjuster Bond Overview Purpose: To hold public adjusters financially liable for fraudulent or dishonest practices Who Needs It: All public insurance adjusters working in Illinois Regulating Body: The Illinois Department of Insurance Required Coverage: $50,000 Premium Rate: $500 for a 1-year term

Can I Get Bonded With Bad Credit? 

Yes, your personal credit score does not impact your ability to get an Illinois public adjuster bond. They are issued without underwriting, meaning there is no credit check.

How Do I Renew My Public Adjuster Bond?

Illinois public adjuster bonds expire annually, unless you select a multi-year rate. If you maintain your license for multiple years, you’ll need to renew your bond.

When the time comes, a SuretyBonds.com representative will contact you about the renewal process. Refer to our Surety Bond Renewal Guide for more information.

How Do I Update My Bond Information?

You can often update simple information on your bond through a bond rider. This is the only legal method of updating without invalidating the original bond. 


If you need to update any bond information, contact our support team by calling 1 (800) 308-4358 or emailing [email protected]. Read our Understanding Bond Riders Guide to learn more.

How to Become a Public Adjuster in Illinois

To become a public adjuster in Illinois, follow these basic steps: 

  1. Pass the licensing exam 
  2. Pay the $92 examination fee
  3. Purchase a $50,000 surety bond
  4. Submit license application
  5. Pay the $250 application fee
  6. Submit supplemental documents to the NIPR*
  7. Get fingerprinted by an approved live scan  vendor

Read How to Become a Public Adjuster in Illinois for a more detailed step-by-step guide. 

*Note: Supplemental documents must be submitted when you apply. These include the $50,000 surety bond form and the Public Adjuster contract required by Illinois Insurance Code.  

Can I Get My Public Adjuster License As a Non-Resident?

Yes, in Illinois, you can become a licensed public adjuster as a non-resident. However, the steps to apply are slightly different. Read How to Apply for a Non-Resident License for detailed instructions.

More Resources

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