Independent & Public Adjuster Insurance Coverage Checklist
The coverages an independent & public adjuster business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for independent and public adjusting firms. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Adjusters Errors & Omissions | Covers missed deadlines, estimate errors, and mishandled claims. | Core | |
| Crime (Including Client Property) | Covers theft of settlement funds by staff — E&O excludes dishonest acts. | Core | |
| Public Adjuster License Bond | Required by states like Florida ($50,000); it protects the state, not your firm. | Core | |
| General Liability | Covers injuries and damage during on-site inspections. | Core | |
| Hired & Non-Owned Auto | Covers adjusters driving their own cars to inspections. | Core | |
| Workers' Compensation (Including Other States) | Covers staff deployed to catastrophe sites in other states. | Core | |
| Employment Practices (Wage & Hour) | Day-rate adjusters have sued over overtime and classification. | Prevalent | |
| Cyber / Privacy Liability | Claim files hold Social Security numbers and medical records. | Prevalent | |
| Occupational Accident (1099 Adjusters) | Covers contract adjusters not on workers' compensation. | Situational | |
| Regulatory Defense | Covers license and fee-cap investigations; Florida fines run per violation. | Situational | |
| Umbrella / Excess Liability | Adds limits over auto and general liability. | Situational |
The coverage gap most often missed
The gap most often missed by public adjusting firms is crime coverage for client money. Settlement checks often pass through a firm account — a Florida adjuster was charged in 2026 with keeping $611,473 in Hurricane Ian proceeds. E&O excludes dishonest acts, and the state license bond protects the state, not the firm. Ask for crime coverage that includes client property and funds held in trust.
Send us the checklist and we'll review your independent & public adjuster coverage line by line, then market it across multiple carriers that compete for your account.
Related: Independent & Public Insurance Adjuster Insurance · Independent & Public Adjuster Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an independent & public adjuster business need?
The core coverages for an independent & public adjuster business are Adjusters Errors & Omissions, Crime (Including Client Property), Public Adjuster License Bond, General Liability, Hired & Non-Owned Auto, Workers' Compensation (Including Other States). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my independent & public adjuster coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.