Who requires it
Texas Department of Insurance (TDI)
Professional license · Texas
Texas Public Insurance Adjuster Surety Bond
Texas public insurance adjusters must prove financial responsibility to stay licensed. TDI looks for a surety bond of at least $10,000 on Form FIN509, uploaded through the licensing process.
Common bond amount
$10,000 (minimum)
Not less than $10,000 per 28 TAC § 19.705 and TDI licensing materials.
How you file
Upload Form FIN509 through Sircon with the TDI application
Renewal
Maintain for as long as the license remains active
Who requires it
Individuals and agencies getting or keeping a Texas public insurance adjuster license must meet TDI’s financial-responsibility rules. 28 TAC § 19.705 calls for a surety bond of not less than $10,000 covering the perils and losses in Insurance Code § 4102.105. TDI’s application checklist wants the applicant named as the only bonded person and Form FIN509 uploaded with a bond copy.
How much is required
Regulation sets a floor of not less than $10,000. TDI’s licensing materials and Form FIN509 describe a $10,000 bond for this purpose. Do not borrow a different figure from an unrelated adjuster or agency product.
How to get and file it
Order a public insurance adjuster bond under the exact name that will appear as the only bonded person on the TDI application. Complete Form FIN509, get the executed bond from an authorized surety, and upload both through Sircon as TDI instructs. Keep the bond active while the license stays active. A lapse or cancel can leave you short of TDI’s financial-responsibility condition. Sync renewals with license status and keep filing copies.
Cost note
$10,000 is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Minimum amount
- Not less than $10,000
- Form
- TDI Public Insurance Adjuster Bond (FIN509)
- Name on the bond
- Applicant or agency listed as the only bonded person per TDI instructions
Official sources
Related resources
Frequently asked questions
Can I use a generic surety bond form?
TDI expects Form FIN509 and a copy of the bond. Follow the current TDI application checklist rather than a generic template.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Texas application
Texas 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 2026-08-05. This guide is based on verified educational content and official sources.
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