Who requires it
Delaware Department of Insurance
License & permit · Delaware
Delaware Public Adjuster Bond
Anyone applying for a Delaware public adjuster license must file a $20,000 bond with the Insurance Commissioner from a surety authorized in the State. Section 1752 conditions the bond on faithful performance of public-adjuster duties, and the Commissioner may recover damages if the licensee is convicted of fraud or unfair practices in that business. The public adjuster license ends automatically when the bond is not in force.
Common bond amount
$20,000
Fixed face under 18 Del. C. § 1752; license ends if the bond is not in force.
How you file
File with the Insurance Commissioner; $20,000 from a Delaware-authorized insurer
Renewal
Maintain continuously; 30-day termination notice to licensee and Commissioner
Who requires it
Resident and nonresident applicants for and holders of Delaware public adjuster licenses under Title 18 Chapter 17A.
How much is required
Section 1752 and the Department of Insurance licensing checklist set the amount at $20,000. No volume schedule applies.
How to get and file it
Complete the public adjuster application through NIPR, sit for any required examination, and have an authorized surety issue a $20,000 bond in your individual legal name. File the executed bond with the Department of Insurance as the licensing procedures direct (including fax or email channels listed on the current checklist). Keep the bond in force for the entire license term. The surety may not terminate coverage unless at least thirty days’ written notice goes to both the licensee and the Commissioner. Replace the bond before any termination effective date—§1752 automatically ends the license when coverage lapses.
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
- Filing
- With the Insurance Commissioner at license application
- Lapse consequence
- Public adjuster license terminates automatically if the bond is not in force
Official sources
Related resources
Frequently asked questions
Do nonresident public adjusters need the Delaware bond?
Yes. The Department of Insurance licensing procedures list a $20,000 bond for both resident and nonresident public adjuster applications, matching §1752.
What happens if my surety cancels the bond?
The surety must give at least thirty days’ written notice to you and to the Commissioner. If replacement coverage is not in force when the existing bond ends, §1752 terminates the public adjuster license automatically.
Related Delaware bond guides
Motor Vehicle Dealer Bond
$25,000
Delaware does not impose a single blanket DMV dealer bond on every licensed seller. Sales finance companies licensed under Title 5 Chapter 29 must file a $25,000 surety bond—or a Commissioner-accepted irrevocable letter of credit—with the Office of the State Bank Commissioner under §2914. Separately, a motor vehicle dealer who is not required to post that Chapter 29 instrument and who, as a retail seller, self-finances any sale without charging interest must lodge a $25,000 original bond with the Department of Finance under 30 Del. C. §3005 before the annual dealer license issues. Both amounts protect consumers against wrongful acts, omissions, default, fraud, or misrepresentation in the licensed activity; claims cannot exceed the bond amount.
Mortgage Broker / Lender Bond
$25,000 / $50,000–$200,000
Delaware mortgage loan brokers licensed under Title 5 Chapter 21 must file a $25,000 surety bond—or a Commissioner-accepted irrevocable letter of credit—with the Office of the State Bank Commissioner under §2108. Licensed lenders under Chapter 22 instead carry a Commissioner-set bond between $50,000 and $200,000 under §2208. Regulation 2204 translates that statutory range into a prior-year Delaware loan-volume table stepping from $50,000 through $200,000, and the Commissioner may demand a larger amount based on individual circumstances. A qualifying company bond may cover mortgage loan originators who are employees or exclusive agents when Chapter 24 and Regulation 2401 coverage rules are satisfied; an irrevocable letter of credit may not be used to cover originators.
Money Transmitter Bond
$100,000–$500,000
Money transmitters licensed under Delaware’s Money Transmission and Virtual Currency Modernization Act must file an original surety bond with the Office of the State Bank Commissioner. Section 2309 directs the Commissioner to set the amount anywhere from $100,000 to $500,000 after weighing the licensee’s average daily Delaware money-transmission liability, tangible net worth, total assets, and any other factor the Commissioner finds relevant. A licensee that posts the $500,000 maximum need not calculate average daily liability. The bond runs to the State for the Commissioner and for consumers injured by wrongful acts, omissions, default, fraud, or misrepresentation in the licensed activity; claims cannot exceed the bond amount.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
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Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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