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: May 27, 2025
Welcome to AmericasSuretyBonds.com ("Website"). This Website is owned by Phil Pavarini, a licensed insurance agent. By accessing or using this Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, please do not use the Website.
You agree to use this Website lawfully and responsibly. You may not:
Violate any laws or regulations
Misuse or interfere with Website functionality
Attempt unauthorized access to any systems
Transmit viruses or harmful code
We may restrict access to the Website at our discretion if we believe you have violated these Terms.
AmericasSuretyBonds.com is a referral and information platform that connects users with licensed insurance agents who issue surety bonds. Phil Pavarini is licensed in Arizona, Florida, Indiana, Michigan, and Ohio. In these states, bond applications may be processed by agencies such as Nagashima Pavarini Ltd. In all other states, bond inquiries are referred to licensed agencies such as Propeller Bonds, which acts as the producer of record and handles quoting, underwriting, issuance, and servicing.
We do not act as producer of record in states where we are not licensed.
We may receive flat referral or advertising fees for connecting users with licensed surety agencies. These fees are not based on whether a bond is issued. We do not receive insurance commissions in states where we are not licensed.
Interested agencies may contact us to join our referral network. We manage dozens of niche sites built for licensed, top-rated providers.
Bond renewals vary by type:
Court Bonds (e.g., probate): Renew annually until released by the court
Other Bonds (e.g., contractor, license): Expire if premiums are unpaid
Calendar Year Bonds: Expire Dec. 31 regardless of start date
Nonpayment may lead to cancellation or legal enforcement.
We aim to provide accurate information, but we make no guarantees. Use the site at your own risk. If you notice an error, please contact us.
We are not affiliated with any court or third-party company mentioned on the Website. External links are for convenience only. Use of third-party sites is at your own risk and subject to their own terms and policies.
You may not leave reviews about Phil Pavarini or Nagashima Pavarini Ltd regarding bonds issued by referred third-party agencies. Reviews should only relate to services directly provided by us. Violations may result in legal action or liquidated damages, subject to legal limits.
Disputes will first be addressed through good-faith negotiation. If unresolved, disputes must be settled by binding arbitration in Ohio under applicable arbitration rules. Injunctive relief may be sought for intellectual property or confidential matters.
By submitting a bond request, you authorize the licensed agent responsible (whether Nagashima Pavarini Ltd or another referred provider) to verify your information and obtain credit data as needed. Credit reports may be pulled at application, renewal, or claim.
By using this Website, you consent to receive communications related to your bond request. You may opt out of marketing emails, but transactional messages cannot be opted out of.
We do not sell your data and comply with all applicable communications laws.
If payments are overdue, we and our authorized partners reserve the right to pursue collection, legal action, or credit reporting as permitted by law.
This Website is provided "as is" with no warranties of any kind. We make no guarantees that it will be uninterrupted or error-free. Always consult a professional for legal, insurance, or financial decisions.
We may update these Terms at any time. Continued use of the Website indicates your acceptance of any changes.
These Terms are governed by the laws of the State of Ohio.
Use the secure message feature on this Website to contact us.
All original content is the property of Phil Pavarini or his content providers. Any third-party logos, names, or trademarks are used for reference only and remain the property of their respective owners.
We are not liable for indirect or consequential damages resulting from your use of this Website. You agree to indemnify Phil Pavarini and any referred partners from claims arising from your use of the Website or violation of these Terms.
Use of the Website is also subject to our Privacy Policy. Please review it to understand how your personal data is handled.
This Website operates as a marketing and referral platform. In states where Phil Pavarini is not licensed, bonds are referred to licensed agents or agencies such as Propeller Bonds. These parties are the producers of record and handle all bond transactions. Referral fees may be paid to us as permitted by law.
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