Texas Business License Bond Requirements by Agency (2026)
There is no single Texas business license bond. The agency that licenses you sets the amount — TxDMV, SOS, TDI, SML, TDB, TABC, plus city permit bonds.
Texas Public Adjuster Bond
$10,000 public adjuster bond,
$10,000 public adjuster bond,
filed the same day you apply.
Required by the Texas Department of Insurance for every licensed public insurance adjuster under Insurance Code Chapter 4102. Low flat-rate premium — typically $100 per year. No hard credit pull for most applicants.
- Same-day issuance, TDI-compliant bond form
- Resident and non-resident adjusters
- E&O insurance bundling available
What it is
The bond TDI requires for a public adjuster license.
A Texas public adjuster bond is a $10,000 financial guarantee filed with the Texas Department of Insurance as part of the license application under Insurance Code Chapter 4102. It protects policyholders — your clients — from losses caused by your misconduct, dishonesty, or failure to remit settlement funds.
A public adjuster represents the policyholder in property insurance claims against carriers. Because adjusters handle consumer settlement money and influence how claims are paid, Texas requires both a license and a bond before you can operate. Bond claims can come from any client harmed by a violation of Chapter 4102, including mishandled funds, misrepresentation, or failure to follow written contract requirements.
The bond runs concurrent with your license term and must stay in force for as long as you are licensed. Cancellation of the bond means automatic suspension of the license.
Comparing bond requirements across licenses? Our guide to the $10,000 surety bond in Texas covers every license that uses this amount.
What you pay
Flat-rate premium. No hard credit pull for most applicants.
Public adjuster bonds are almost always written at a flat rate. Credit is reviewed only for applicants with serious derogatory history.
| Applicant profile | Annual premium | 2-year cost |
|---|---|---|
| Standard credit No major derogatory items | $100 | $200 |
| Fair credit Minor blemishes | $125–$175 | $250–$350 |
| Challenged credit Recent bankruptcy, judgments | $175–$250 | $350–$500 |
| E&O insurance (optional) Protects you, not clients | $400–$900 | Varies |
Most licensed public adjusters carry both the bond (required) and E&O insurance (optional but recommended). We can quote both on one call.
How to get bonded
Four steps, same day, TDI-ready.
- 01
Quote the bond
Call or start online. Tell us resident or non-resident, and whether you want E&O bundled. No credit pull for standard quotes.
- 02
Sign & pay
Electronic application, card or ACH payment. Five-minute process.
- 03
Receive TDI-compliant bond
Bond emailed same day on the TDI-required form, executed and surety-sealed, ready to upload with your Sircon or NIPR license filing.
- 04
File with TDI
Upload the bond PDF with your public adjuster license application or renewal. TDI processes and the license issues once the bond is on file.
Legal requirements
Texas statute, issuing agency, what the bond covers.
Statute
Texas Insurance Code Chapter 4102 requires every licensed public insurance adjuster to maintain a $10,000 surety bond with the Texas Department of Insurance.
Issuing agency
Texas Department of Insurance, Agent and Adjuster Licensing Office.
Bond amount
$10,000. Applies to both resident and non-resident Texas public adjuster licenses.
Term
Continuous as long as the license is active. Renewal cycle is 2 years matching license renewal.
Who can claim
Any policyholder or member of the public harmed by the adjuster's violation of Chapter 4102 — typically mishandling of settlement funds, failure to provide written contracts, or misrepresentation of policy terms.
Why Surety Bond Houston
Small bond, fast turnaround, real agent on the phone.
Same-day, TDI-ready form
Bond issued within the hour on the TDI-approved form. No hard credit pull for standard applicants.
Bond + E&O in one call
Most public adjusters carry E&O alongside the bond. We bundle both on one application to keep you fully protected.
Renewal reminders
We flag your TDI renewal 60 days out so the bond never lapses and your license never suspends.
Related Texas bonds
Other professional license bonds we write.
FAQ
Public adjuster bond questions we answer every week.
How much does a Texas public adjuster bond cost?
The bond amount is $10,000 — the minimum required by the Texas Department of Insurance. Premium is typically a flat $100 per year for standard applicants, with no hard credit pull. Some applicants with credit challenges may pay up to $250 per year.
Who needs a Texas public adjuster bond?
Anyone licensed as a public insurance adjuster in Texas. The bond is filed with the Texas Department of Insurance (TDI) as part of the licensing process under Insurance Code Chapter 4102. Both resident and non-resident public adjusters must file it.
How long does the public adjuster bond last?
Two years, matching the TDI public adjuster license renewal cycle. Bonds are continuous and must stay in force for the duration of the license.
What is the difference between a public adjuster and an insurance company adjuster?
A public adjuster works for the policyholder and is paid by them, typically a percentage of the claim. An insurance company adjuster works for the carrier. Texas regulates public adjusters more strictly because they handle consumer money — which is why the bond is required.
Can I get a public adjuster bond with bad credit?
Yes. Most public adjuster bonds are written at a flat rate without a credit review. Applicants with significant derogatory credit may see rates up to $250 per year but are rarely declined outright.
What happens if a claim is filed against my public adjuster bond?
The surety investigates. If the complaint is valid — for example, mishandling of settlement funds or misrepresentation to a client — the surety pays damages up to $10,000 and then collects that amount back from you. Claims are rare when adjusters follow TDI rules and Chapter 4102 client-contract requirements.
Do I need a separate bond if I work as part of an adjusting firm?
Yes. The bond is individual to the licensed public adjuster, not the firm. Each licensed adjuster in your office files their own $10,000 bond with TDI.
Ready when you are
Get your Texas public adjuster bond today.
Same-day issuance. Flat-rate pricing. TDI-compliant form. Talk to a real Texas agent.