Who requires it
Louisiana Department of Insurance — Producer / Adjuster Licensing
License & permit · Louisiana
Louisiana Public Adjuster Bond
Louisiana public adjusters must show $50,000 of financial responsibility before the Department of Insurance issues the license. R.S. 22:1701 accepts either a surety bond from an authorized insurer or an irrevocable letter of credit from a qualified Louisiana financial institution. The Louisiana Department of Insurance (LDI) will not issue the license until the original bond form is on file.
Common bond amount
$50,000
Minimum surety bond or irrevocable letter of credit under R.S. 22:1701; original on file with LDI before issuance.
How you file
Original bond form filed with the Louisiana Department of Insurance, or a letter of credit
Renewal
Maintain continuously; 30-day termination notice; authority ends if security lapses
Who requires it
Applicants for and holders of a Louisiana public adjuster license under Title 22. Claims adjusters who are not public adjusters follow other LDI licensing paths and are outside this $50,000 public-adjuster security requirement.
How much is required
Section 22:1701 fixes a minimum fifty-thousand-dollar surety bond or irrevocable letter of credit. The bond must run in favor of the state and authorize recovery by the commissioner of insurance for persons damaged by the adjuster’s erroneous acts, failures to act, fraud convictions, or unfair-practice convictions. Termination requires at least thirty days’ prior written notice to the commissioner and the licensee.
How to get and file it
Complete the public-adjuster license application path LDI requires (including examination eligibility steps). Have an authorized surety execute LDI’s public-adjuster surety bond form for $50,000, or arrange a qualifying irrevocable letter of credit, and deliver the original to LDI Producer Licensing before expecting the license to issue. Maintain the $50,000 security for the entire license term. If the bond or letter of credit terminates or becomes impaired, authority to act as a public adjuster ends automatically under § 22:1701. Provide continuation evidence when LDI’s bond rules require annual continuation certificates for surety filings.
Cost note
Fifty thousand dollars is the required bond or letter-of-credit amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Required amount
- $50,000 minimum surety or irrevocable letter of credit
- Authority
- R.S. 22:1701
- Filing
- Original bond form to LDI before license issuance
- Cancellation
- At least 30 days’ prior written notice to the commissioner and licensee
Official sources
Related resources
Frequently asked questions
Can I use a letter of credit instead of a surety bond?
Yes. R.S. 22:1701 expressly allows an irrevocable letter of credit from a qualified financial institution authorized and doing business in Louisiana, in the same $50,000 minimum amount, as an alternative to the surety bond.
Will LDI issue my license before the bond arrives?
No. LDI’s licensing materials state that the public-adjuster license will not be issued until the original bond form is received by the Department.
Related Louisiana bond guides
Notary Public Bond
$50,000
Louisiana non-attorney notaries must maintain a $50,000 surety bond or personal surety. Act 258 of the 2025 Regular Session (HB 259) raised the amount from $10,000 and removed errors-and-omissions insurance as a substitute, effective February 1, 2026. Filings go to the Secretary of State’s Notary Division; licensed attorneys who act as notaries do not file this bond.
Mortgage Lender Bond
$25,000 or $50,000
Louisiana residential mortgage lenders, mortgage brokers, and mortgage loan originators license through the Office of Financial Institutions on NMLS. R.S. 6:1088 requires a surety bond naming OFI. The amount is $25,000 when prior-calendar-year Louisiana residential loan volume is under $100,000,000, and $50,000 when that volume is $100,000,000 or greater.
Motor Vehicle Dealer Bond
$10,000 / $20,000 / $50,000
Louisiana uses two statewide dealer commissions with different bond amounts. The Louisiana Motor Vehicle Commission requires a $20,000 bond before issuing a motor vehicle or recreational products dealer license under R.S. 32:1254. The Louisiana Used Motor Vehicle Commission requires a continuing $50,000 surety bond under R.S. 32:791 for used motor vehicle dealer licenses. Used-dealer licenses issued under the LMVC Chapter instead of LUMVC follow a separate $10,000-per-location schedule in R.S. 32:1254(F).
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Louisiana application
Louisiana 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 2026-08-11. This guide is based on verified educational content and official sources.
Agents Ready to Help
Share your agency checklist or bond form and we will confirm the agency, amount, and filing steps before issuing.
Talk to the pro →