License and Permit Bonds

New Iowa Law Requires Public Adjusters to Carry a $50,000 Surety Bond

Posted on by ZipBonds.com

A new bill has been signed into law in Iowa that directly impacts public insurance adjusters operating in the state. The legislation, outlined by the Iowa Insurance Commissioner, now requires adjusters to secure a surety bond for at least $50,000 to conduct business legally. Previously, the bond requirement was $20,000.

At ZipBonds, we’re ready to help adjusters meet this new requirement quickly and easily with instant issue bonding solutions. Read on to learn more.

New Law for Public Adjusters in Iowa

According to the Iowa Legislative Services Agency (see page 39 of this report), public adjusters must post a bond of no less than $50,000, as prescribed by the Insurance Commissioner. This requirement is part of the Disaster Recovery Housing Assistance Bill, Senate File 619, passed in April 2025.

You can learn more about current public and independent adjuster requirements in Iowa on the Iowa Insurance Division website. 

Why This Bond Matters

A public adjuster bond serves as a financial guarantee that adjusters will adhere to state laws and ethical standards when representing policyholders in claims.

A surety bond isn’t just a regulatory checkbox. It’s a critical layer of consumer protection against fraud, errors, failure to act, or unfair or deceptive practices. If a public adjuster acts dishonestly or negligently, the bond provides financial recourse for harmed parties. Operating without this bond could put your license and business at risk.

How to Get Your Iowa Public Adjuster Bond

ZipBonds makes the bonding process fast and simple. We can instantly issue these $50,000 bonds so that you can stay compliant without delay. Public adjuster bonds cost a small percentage of the total bond amount. Apply online to get bonded today!

Apply with ZipBonds Today to Stay Compliant

Whether you’re renewing your license or just starting out, securing your Iowa public adjuster bond is now a must. ZipBonds offers the fastest and most secure option for getting the surety bonds you need. Our all-digital platform is intuitive and straightforward. Contact our team anytime for assistance.