Business Insurance for Claims Adjusters

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Claim Adjusters: Independent Or Public
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A lawsuit brought by a client, regulator, or provider could have major consequences. Safeguard your business with insurance for claims adjusters.

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One application, multiple quotes

Insureon helps claims adjusters compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do claims adjusters need?

These policies provide coverage for 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
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy is also called errors and omissions insurance (E&O). 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

This policy bundles property insurance and general liability insurance in one plan. A BOP is often one of the most cost-effective commercial insurance policies for adjusters.

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

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Legal costs
Looking for different coverage? See more policies.

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.

How much does insurance cost for claims adjusters?

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Several factors will have an impact on insurance costs, including:

  • Adjuster services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Claim Adjusters: Independent Or Public