Who requires it
Hawaii Insurance Division — Public adjusters
License & permit · Hawaii
Hawaii Public Adjuster Bond
Hawaii public adjuster applicants must file a ten-thousand-dollar surety bond with the insurance commissioner before the license issues and keep it in force while licensed. HRS §431:9-223 conditions the bond on accounting to insureds for moneys or settlements the adjuster handles. A like deposit of cash or commissioner-approved securities may substitute for the surety bond.
Common bond amount
$10,000
Fixed $10,000 under HRS §431:9-223; cash or approved securities deposit may substitute.
How you file
Filed with the insurance commissioner, or an approved cash/securities deposit
Renewal
Maintain while licensed; 60-day surety cancellation notice to commissioner
Who requires it
Applicants for and holders of Hawaii public adjuster licenses under article 9 of the Insurance Code who must show the §431:9-223 financial responsibility.
How much is required
Section 431:9-223 fixes the surety at ten thousand dollars, executed by an authorized surety approved by the commissioner, in favor of the State. Claims cannot exceed that amount. During the license, a cash or approved-securities deposit in the same amount may replace the bond.
How to get and file it
Have an authorized surety issue a $10,000 public adjuster bond in favor of the State, or arrange a commissioner-approved cash/securities deposit. File it with the Insurance Division as part of the license application—commonly through the electronic attachment path the Division directs—and keep it current for the life of the license. Maintain the bond or substitute deposit while licensed. The surety may cancel upon sixty days’ advance written notice filed with the commissioner, without prejudice to liability already accrued. Obtain a release from the commissioner before dropping coverage.
Cost note
Ten 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
- $10,000
- Who requires it
- State of Hawaii
- Condition
- Account to insureds for moneys or settlements handled on their claims
- Alternative
- Like amount in cash or securities approved by the commissioner
Official sources
Related resources
Frequently asked questions
Can a Hawaii public adjuster deposit cash instead of buying a bond?
Yes. Section 431:9-223(c) allows the licensee, during the license, to maintain a deposit with the commissioner of cash or approved securities in the same amount and on the same conditions as the bond.
How much notice must the surety give to cancel a Hawaii public adjuster bond?
The surety may cancel upon sixty days’ advance written notice filed with the commissioner, without prejudice to liability that accrued before cancellation.
Related Hawaii bond guides
Notary Public Bond
$1,000
Every Hawaii notary public must execute a one-thousand-dollar official surety bond before entering upon the duties of the commission. HRS §456-5 requires a circuit court judge to approve the bond, after which the original is deposited with the clerk of the circuit court for the judicial circuit where the notary resides. The Attorney General’s Notary Public Office administers the commission, but the statutory bond filing path runs through the circuit court.
Collection Agency Bond
$25,000 / $15,000
Hawaii collection agencies registering with the Department of Commerce and Consumer Affairs must file and maintain a surety bond under Chapter 443B. The first office in the State carries a twenty-five-thousand-dollar amount; each additional Hawaii office carries a fifteen-thousand-dollar amount. Official Bond Form CA-02 is what PVL’s registration checklist requires for every office.
Money Transmitter Bond
$5,000 / $10,000 (up to $500,000)
Hawaii money-transmitter licensees under the Money Transmitters Act must accompany the application with a surety bond, irrevocable letter of credit, or other security the commissioner accepts. HRS §489D-7 fixes ten thousand dollars for the initial twelve months of licensure, then steps to five thousand or ten thousand dollars based on annualized money-transmission volume, while allowing the commissioner to raise the amount to as much as five hundred thousand dollars when financial condition warrants.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Hawaii application
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Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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