Who requires it
Colorado Division of Insurance
License & permit · Colorado
Colorado Public Adjuster Bond
Colorado public insurance adjusters must keep a bond of at least $20,000 for the life of the license. The Division of Insurance requires a signed bond and power of attorney in the commissioner-prescribed format under § 10-2-417 and Insurance Regulation 1-2-19, uploaded electronically through Sircon.
Common bond amount
$20,000
Statutory minimum under § 10-2-417(2); Division filing follows Regulation 1-2-19 format.
How you file
File in the commissioner-prescribed format for the license term
Renewal
Keep in force while licensed; 30-day termination notice to commissioner
Who requires it
Anyone acting or holding out as a public adjuster in Colorado under C.R.S. § 10-2-417. Company or independent adjuster credentials are different producer categories and are not this public-adjuster instrument.
How much is required
Section 10-2-417(2) requires evidence of financial responsibility through a surety bond of at least $20,000, issued by an insurer authorized to write surety in Colorado, in favor of the state, authorizing recovery by the commissioner for persons damaged by the adjuster’s erroneous acts, failure to act, fraud conviction, or unfair-practices conviction. The Division’s producer page restates the $20,000 amount and points applicants to Regulation 1-2-19 for the required format.
How to get and file it
Have an authorized surety execute the $20,000 bond and power of attorney in the Regulation 1-2-19 format. Apply through Sircon or NIPR, then attach the signed bond and power of attorney electronically in Sircon after submitting the application. The Division warns that mailing the bond or failing to attach it can delay processing. Keep the bond in force for the duration of the license. The bond may not terminate unless at least thirty days’ prior written notice is filed with the commissioner and given to the licensee; the issuer must notify the commissioner upon termination. If coverage terminates or becomes impaired, the commissioner may summarily suspend authority to act as a public adjuster.
Cost note
Twenty thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Required amount
- $20,000 (§ 10-2-417(2))
- Who can recover
- In favor of the state; commissioner may recover for persons damaged by covered adjuster misconduct
- Format
- Commissioner-prescribed format under Colorado Insurance Regulation 1-2-19
- Filing
- Upload signed bond and power of attorney electronically in Sircon after application submission
- Termination
- At least 30 days’ prior written notice to the commissioner and the licensee
Official sources
Frequently asked questions
Can I mail the public adjuster bond to the Division?
The Division’s producer page instructs applicants to attach the signed bond and power of attorney electronically in Sircon after submitting the application and warns that mailing or failing to attach the documents may delay processing.
What happens if the bond lapses?
Section 10-2-417 allows the commissioner to summarily suspend authority to act as a public adjuster if the bond terminates or becomes impaired. Keep replacement coverage in place before any termination date.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Colorado application
Colorado will be preselected. Choose your bond type in the application—we confirm the correct product against your agency form before anything is issued.
Last verified 2026-08-10. This guide is based on verified educational content and official sources.
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