Florida DFS · F.S. 626.865 · Form DFS-H2-72

Florida Public Adjuster Bond

$50,000, filed with DFS, and it stays in force 1 year after your license ends.

Florida requires a public adjuster license applicant to file a $50,000 surety bond in favor of the Department of Financial Services (DFS). Apprentices file their own bond. We shop multiple Treasury-listed surety carriers, and a licensed agency submits your complete application the same day it arrives.

Rules as of Sep 30, 2026

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Last updated: October 4, 2026|General Florida public adjuster bond information — confirm current requirements with the licensing authority.

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Quick answer

Florida requires a public adjuster license applicant to file a $50,000 surety bond in favor of the Department of Financial Services. Apprentices file their own bond, and the bond stays in force 1 year after the license ends. You pay a premium that is a small percentage of the bond amount, not the full amount; the surety sets the final price.

Who requires it: The Florida Department of Financial Services (DFS), under F.S. 626.865 and 626.8651; filed on Form DFS-H2-72.
Amount: $50,000 for each public adjuster and each apprentice, with total surety liability capped at the bond amount.
Timing: Same-day submission; most quotes within one business day.

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Florida public adjuster bond at a glance

Item	Florida rule
Bond amount	$50,000 (F.S. 626.865(2))
Who files	Each public adjuster license applicant; apprentices file their own bond (626.8651)
Form	DFS-H2-72, “Public Adjuster’s Bond”
Obligee	The Department of Financial Services
Covers	Damages from fraud or unfair practices in your adjusting business
Liability cap	Total surety liability cannot exceed the bond amount
Duration	Must remain in effect 1 year after the license expires or terminates
Cancellation	Surety must give 30 days’ written notice

Sources: F.S. 626.865, F.S. 626.8651 (rules as of Sep 30, 2026).

The 1-year tail

The statute says the bond must remain in effect for 1 year after the expiration or termination of the license. Surrendering your license, moving states or closing your business does not end the obligation, and the 30-day notice rule means a surety cannot simply drop the bond. The tail extends how long the bond can be reached. It does not raise the $50,000 cap.

Individual or apprentice: who needs a bond

Individual: the bond is in the adjuster's own name.
Apprentice: F.S. 626.8651 requires a separate $50,000 bond in the apprentice's own name. A sponsor's bond does not cover an apprentice.

Example: three adjusters and two apprentices need five bonds. See our license and permit bonds page for related filings.

How to file

Buy the bond. The surety executes Form DFS-H2-72 in your exact legal name, matching your license application.
Submit the completed form to DFS with your license application, following the current instructions on the DFS licensing forms page.
Keep the bond in force, including the 1-year tail.

We email your bond as soon as the carrier issues it.

What it costs

You do not post $50,000. The premium is typically a small percentage of the bond amount per year; the carrier sets the final price. Price depends on personal credit, any prior DFS discipline or paid bond claim, and the carrier's underwriting. We work with carriers that write challenged credit; the carrier decides. See bad credit surety bonds and surety bond cost.

Who can collect on the bond

DFS is the named obligee. The trigger is fraud or unfair practices in your public adjusting business, and the surety's total liability is capped at $50,000. The bond is not insurance for you: you sign an indemnity agreement and repay the surety for anything it pays out. It does not replace errors-and-omissions coverage.

All public adjuster bonds
Florida surety bonds
Adjusting in Texas? See how the Texas public adjuster bond works.

Frequently asked questions

Why does the bond stay active a year after my license ends?

F.S. 626.865(2) requires the bond to remain in effect for 1 year after the expiration or termination of the license, so it stays available to DFS for that window.

Do apprentices need their own $50,000 bond?

Yes. F.S. 626.8651 requires the apprentice to file the same $50,000 bond. A sponsoring adjuster’s bond does not cover the apprentice.

How do I file the bond with DFS?

Complete and submit Form DFS-H2-72, “Public Adjuster’s Bond,” with your license application. Follow the current filing instructions on the DFS licensing forms page.

If DFS collects on my bond, what happens to me?

DFS can recover damages from the bond for fraud or unfair practices in your adjusting business, up to $50,000. You then repay the surety under your indemnity agreement.

Can the surety cancel my bond suddenly?

No. The statute requires at least 30 days’ written notice. The bond also stays in effect for 1 year after the license ends.

Can I get a bond with challenged credit?

We work with carriers that write challenged credit; the carrier decides. Start with the free quote above.

When do I pay?

You pay only when your bond is issued. Quotes are free.

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