Need assistance? 
+1 815-826-6324 (815-8-BondAI) 
phil@AmericasSuretyBonds.com
Expert Surety Bonds Since 2004
Need assistance? +1 815-826-6324 (815-8-BondAI) phil@AmericasSuretyBonds.com
Expert Surety Bonds Since 2004
Effective Date: July 27, 2026
Welcome to AmericasSuretyBonds.com ("Website"). AmericasSuretyBonds.com® and America's Surety Bonds® are registered trademarks owned by Nagashima Pavarini Ltd., which also owns and operates the Website. The Website and the marks are used under license by Philip E Pavarini Jr.
The Website is owned and operated by Nagashima Pavarini Ltd. and is used under license by Philip E Pavarini Jr, a licensed insurance producer, NPN 8314541, California License No. 4481016, licensed in 49 states and the District of Columbia. All insurance solicitation, quoting, and bond placement arising from this Website is conducted by Philip E Pavarini Jr or by a referred licensed party. Nagashima Pavarini Ltd. does not sell, solicit, or negotiate insurance through this Website and is not the producer of record on any bond. The Website operates primarily as a referral and informational platform.
By accessing or using this Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, do not use the Website. These Terms include a binding arbitration provision and a class action waiver in Section 10, and a limitation of liability in Section 14. Please read them carefully.
The Website is an informational and referral platform. It is not a surety company, not a bonding company, not an insurer, not a law firm, and not a claims administrator. We do not underwrite, issue, execute, countersign, service, cancel, renew, or adjudicate any bond, policy, or claim through this Website.
We may refer inquiries, in our sole and absolute discretion, to any licensed insurance agent, agency, broker, managing general agent, program administrator, surety, or insurer we select. We may add, change, or discontinue referral relationships at any time, for any reason, without notice and without obligation to you. A referral does not create an agency relationship, fiduciary duty, partnership, joint venture, or contractual obligation between you and the operator of this Website.
Identifying your agent of record and your surety. If you have obtained a bond, the agent or agency of record and the insurance carrier, surety, or bonding company that issued your bond are identified on your bond form, bond power of attorney, declarations page, invoice, or policy documents. Review those documents to identify the correct party. All questions regarding your application, underwriting, issuance, renewal, cancellation, billing, servicing, claims, indemnity, or the handling of your information after referral must be directed to the agent of record or issuing carrier named in those documents, and not to this Website.
You agree to use the Website lawfully and responsibly. You may not violate any law or regulation, misuse or interfere with Website functionality, attempt unauthorized access to any system or data, transmit viruses or harmful code, scrape, crawl, harvest, or index content by automated means without written permission, use content to train any machine learning or artificial intelligence system, impersonate any person or entity, or submit false, fraudulent, or misleading information.
We may suspend or restrict access at our discretion if we believe you have violated these Terms.
Philip E Pavarini Jr is a licensed insurance producer, NPN 8314541, California License No. 4481016, holding active resident and nonresident licenses in 49 states and the District of Columbia. Current licensing status may be verified through the National Insurance Producer Registry or the insurance department of any state.
Licensure alone does not mean we act as producer of record on any given transaction. Whether we serve as producer of record depends on the state, the line of authority, the surety involved, and carrier appointment. Where we do not serve as producer of record, inquiries are referred to a licensed third party who serves as producer of record and who handles all quoting, underwriting, issuance, and servicing. We perform no licensed activity and accept no insurance commission in any state in which we are not licensed and appointed as required by law.
Submission of an inquiry or form does not constitute an application, does not bind coverage, and does not guarantee that a bond will be quoted, approved, issued, or renewed at any particular rate, on any particular timeline, or at all. All approvals are subject to the independent underwriting judgment of a surety. Any rate, premium, or timeline shown on the Website is an estimate only and is not an offer.
All content on the Website, including bond descriptions, statutory citations, bond amounts, court and agency requirements, forms, filing procedures, links to government resources, articles, and calculators, is provided for general informational purposes only. It is not legal, tax, accounting, financial, or professional advice and must not be relied upon as such. Bond requirements vary by state, county, court, obligee, and case, and change frequently. You are solely responsible for verifying all requirements with the applicable court, agency, obligee, or your own qualified advisor. No attorney-client relationship or professional advisory relationship is created by your use of the Website.
We may receive flat referral fees, advertising fees, marketing fees, commissions, or other compensation from licensed agents, agencies, or carriers, where permitted by applicable law. Referral decisions may be influenced by these arrangements. Nothing on the Website constitutes an independent, comprehensive, or fiduciary comparison of all available markets or all available pricing. We do not accept insurance commissions in any state in which we are not licensed.
Agencies interested in our referral network may contact us.
Renewal terms vary by bond type and are governed solely by the bond form, the surety, and applicable law, and not by this Website. As general information only:
Nonpayment of premium may result in cancellation, notice to the obligee or court, collection activity, or legal enforcement by the surety or producer of record. We are not responsible for any consequence of cancellation, lapse, or nonrenewal.
By submitting a bond request, you authorize the licensed agent, agency, or surety responsible for your transaction to verify the information you provide and to obtain consumer reports and credit data as permitted by the Fair Credit Reporting Act and applicable law. Reports may be obtained at application, renewal, or claim. We are not a consumer reporting agency and do not furnish consumer reports.
By submitting your information, you consent to receive communications from us and from referred agents, agencies, and carriers regarding your inquiry, by email, telephone, or text message at the contact information you provide, including through automated means where permitted. Message and data rates may apply. You may opt out of marketing communications at any time by following the unsubscribe instructions or replying STOP. Transactional communications relating to an active inquiry, bond, or account may continue. We do not sell your data and we comply with applicable communications laws.
Informal resolution first. Before initiating any proceeding, you agree to contact us and attempt good-faith resolution for at least thirty (30) days.
Binding arbitration. Any dispute, claim, or controversy arising out of or relating to the Website, these Terms, any referral, or any content, that is not resolved informally shall be resolved by final and binding arbitration administered in Wake County, North Carolina, under the rules of a recognized arbitration provider, rather than in court. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.
Class action waiver. All claims must be brought in your individual capacity only. You waive any right to participate in a class, collective, consolidated, mass, or representative action, and the arbitrator may not consolidate claims or preside over any representative proceeding.
Exceptions. Either party may seek injunctive or equitable relief in court for intellectual property infringement, misappropriation of confidential information, or unauthorized access to systems. Either party may bring an individual claim in small claims court.
Time limit. Any claim must be brought within one (1) year after the claim arises or it is permanently barred, to the extent permitted by law.
If the class action waiver is held unenforceable as to a particular claim, that claim shall proceed in court and all other claims remain subject to arbitration.
We are not affiliated with, endorsed by, or sponsored by any court, government agency, obligee, surety, or third-party company referenced on the Website unless expressly stated. External links are provided for convenience only. We do not control and are not responsible for the content, accuracy, availability, security, licensing status, solvency, or practices of any third party. Your use of any third-party site or service is at your own risk and subject to that party's terms.
We are not responsible or liable for the acts, omissions, errors, delays, misrepresentations, licensing status, solvency, data practices, underwriting decisions, servicing, or claim decisions of any agent, agency, broker, surety, insurer, court, obligee, or other third party, whether or not that party received a referral from this Website.
THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, CURRENCY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY INFORMATION REGARDING BOND AMOUNTS, FORMS, STATUTES, OR COURT REQUIREMENTS IS CURRENT OR CORRECT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PHILIP E PAVARINI JR, NAGASHIMA PAVARINI LTD., NOR ANY OF THEIR OWNERS, OFFICERS, EMPLOYEES, LICENSORS, CONTRACTORS, OR AFFILIATES SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITY, BONDING CAPACITY, OR GOODWILL, ARISING OUT OF OR RELATING TO THE WEBSITE, ANY REFERRAL, ANY ACT OR OMISSION OF ANY REFERRED PARTY, ANY RELIANCE ON WEBSITE CONTENT, OR ANY DELAY, DENIAL, CANCELLATION, LAPSE, OR NONISSUANCE OF ANY BOND, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100.00).
Some jurisdictions do not allow certain exclusions or limitations. In those jurisdictions, the above applies to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless Philip E Pavarini Jr, Nagashima Pavarini Ltd., and their owners, officers, employees, contractors, licensors, affiliates, and referred partners from and against any claims, demands, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Website, information you submit, your violation of these Terms, or your violation of any law or third-party right.
If amounts owed to us or to an authorized partner become overdue, we and our authorized partners reserve the right to pursue collection, legal action, or credit reporting as permitted by law.
All original content, text, graphics, images, layouts, design elements, databases, data compilations, and code on the Website are owned by Nagashima Pavarini Ltd. and are protected by United States and international copyright, trademark, trade dress, and other intellectual property laws. AmericasSuretyBonds.com® and America's Surety Bonds® are registered trademarks owned by Nagashima Pavarini Ltd. All such intellectual property is licensed to Philip E Pavarini Jr for use in connection with the Website. All rights not expressly granted are reserved.
You may not copy, reproduce, republish, distribute, display, transmit, modify, reverse engineer, or create derivative works from any Website content, in whole or in part, by any means, without prior written permission from Nagashima Pavarini Ltd. This prohibition expressly includes automated collection, scraping, crawling, and the use of Website content to train, fine-tune, or ground any machine learning, large language model, or artificial intelligence system.
Third-party logos, names, and trademarks appearing on the Website are used for reference and identification only and remain the property of their respective owners.
© 2026 Nagashima Pavarini Ltd. All rights reserved.
Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We may modify these Terms at any time. Changes are effective upon posting with a revised effective date. Continued use of the Website constitutes acceptance of the modified Terms.
If any provision is held unenforceable, it shall be modified to the minimum extent necessary or severed, and the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms. We may assign them without restriction. These Terms are the entire agreement between you and us regarding the Website and supersede all prior understandings.
These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles.
Use the "Secure Message" feature on this Website to contact us.
Philip E Pavarini Jr, Licensed Insurance Producer NPN 8314541 | CA License No. 4481016 Licensed in 49 states and the District of Columbia
