Who requires it
New York State Department of Financial Services — Public adjusters
License & permit · New York
New York Public Adjuster Bond
New York public adjusters must have a $1,000 surety bond on file with DFS before the department will issue or renew the public-adjuster license. Insurance Law § 2108 protects the public if the licensee or named sub-licensees fail to perform their duties. File the bond with the DFS application.
Common bond amount
$1,000
Fixed $1,000 amount for the public-adjuster licensing period.
How you file
File with DFS for the State of New York
Renewal
File a bond that covers each license term from issuance through expiration
Who requires it
Applicants for public-adjuster licenses under Insurance Law § 2108. Independent adjusters acting for insurers are licensed separately and, under current DFS guidance, no longer file this bond. Entity licenses can cover named sub-licensees on one bond; individuals who hold their own public-adjuster licenses still need their own sureties.
How much is required
Section 2108 fixes the amount at $1,000 for the public-adjuster license period. There is no volume schedule for this bond.
How to get and file it
Have an authorized surety complete the $1,000 public-adjuster bond, then upload it with the DFS online (or paper) public-adjuster application. Size the bond to cover the licensing period from issuance through expiration. Renewals need a bond that remains in force for the new term. Keep the licensed name on the bond identical to the DFS license record.
Cost note
One 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
- $1,000
- Who requires it
- State of New York; file with DFS
- Filing
- Upload the completed bond with the DFS application
- Independent adjusters
- Bond prerequisite does not apply to independent adjuster licenses
Official sources
Related resources
Frequently asked questions
Do independent adjusters still need a New York surety bond?
DFS states that a bond is no longer required for independent adjuster applicants. The $1,000 surety remains a public-adjuster license condition under § 2108.
Does one entity bond cover every employee adjuster?
A firm’s public-adjuster bond can cover sub-licensees named on that license. Employees who hold their own individual public-adjuster licenses still need separate bonds.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a New York application
New York 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 →