Business Insurance for Claims Adjusters

Claim Adjusters: Independent Or Public
Claim adjustor assessing damage at a car crash.
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Why do claims adjusters need insurance?

As an independent insurance adjuster, you know the risks facing your small business. A lawsuit filed by a client could jeopardize your company if you don’t have proper coverage. Claims adjuster insurance can cover legal expenses, medical bills, and property damage after an unexpected event.

Insurance claims adjuster evaluating vehicle damage.
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One application, multiple quotes

Insureon helps claims adjusters compare quotes from top U.S. insurance providers online.

Get several quotes with one application.

What types of insurance do claims adjusters need?

These insurance policies cover the common risks faced by claims adjusters.

General liability insurance icon

General liability insurance

This policy covers basic claims adjuster risks, such as customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Personal injury lawsuits
  • Libel and slander lawsuits
Professional liability insurance icon

Errors and omission insurance

This policy is also called professional liability insurance. It can help cover legal expenses if a claims adjuster is sued for unsatisfactory work, such as an inaccurate appraisal.

  • Compensation disputes
  • Work mistakes or oversights
  • Accusations of negligence
Business owner’s policy icon

Business owner’s policy

A business owner’s policy, or BOP, is a cost-effective way for claims specialists to buy general liability coverage and commercial property insurance together.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for claim adjusting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal costs
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance helps pay for expenses after a claims adjuster's vehicle is involved in an accident. Each state has its own requirements for auto liability insurance.

  • Property damage caused by your vehicle
  • Auto accident medical costs
  • Vehicle theft and vandalism
Cyber insurance icon

Cyber insurance

This policy helps claims adjusters recover financially from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.

  • Customer notification costs
  • Fraud monitoring services
  • Regulatory fines
Looking for different coverage? See more policies.

How much does business insurance cost for insurance professionals?

Insurance professional calculating cost of business insurance.

Independent claims adjusters will pay less for insurance than larger companies.

Factors that affect premiums include:

  • Insurance products and services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get claim adjuster insurance?

It's easy to get claims adjuster business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your claims adjuster business, whether you work independently or hire employees.

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