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The Warnock Agency Inc
4810 McEver Road
Oakwood, GA 30566
At THE WARNOCK AGENCY INC and the websites owned by The Warnock Agency Inc we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer
THE WARNOCK AGENCY INC is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any
We will ask you to provide your personal information to us when you request a quote, enroll for coverage and when you purchase an insurance policy or surety bond from us. We will also ask you to provide your personal
information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy or surety bond at THE WARNOCK AGENCY INC, we will ask you to provide your name, home address, mailing address,
telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy or surety bond so the company can establish you as a policyholder. We will maintain a
record of your information at the offices of THE WARNOCK AGENCY INC. so we can provide you with policyholder service. The employees of THE WARNOCK AGENCY INC are each required to sign and acknowledge a
Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.
In some cases, we may collect information for underwriting purposes. This information may include social security numbers, home addresses, dates of birth and driver's license numbers. In addition we may require personal and
business financial statements. By providing personal or business information you agree and understand that as part of the underwriting process, we may review your personal and business credit history. To the extent required by
law, we will, upon request, provide notice whether or not a consumer report has been requested by us or by an underwriting insurance or surety company, and if so, of the name and address of the consumer reporting agency
furnishing the report.
When you purchase an insurance policy or surety bond from THE WARNOCK AGENCY INC, you will pay the premiums with your credit card, debit card or check. If you use your credit card or debit card to pay the premium, your
card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance or receipt. You may use this transaction number as a reference to
the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your check, we will keep a copy of your check in your file.
When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address. An application on our website is approval for us to contact the client by phone,
email, text, mail or other electronic and non-electronic method. However, any contact from our agency will only be in regard to the application submitted by the client, the renewal of an existing bond or a transaction resulting
from the initial application or bond.
A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie called a session when you visit this site. At THE WARNOCK AGENCY INC, a session
is only used to identify one unique visitor from another visitor during a particular website visit. A website visit is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a
website visit as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No
personally identifiable information is stored on the session cookie. The session cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Web site for more
than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new session cookie, which will not recognize them as a visitor from a previous visit or session.
Third Party Links.
This Web site may contain links to third party Web sites that are not controlled by THE WARNOCK AGENCY INC. These third party links are made available to you as a convenience and you agree to use these links at your own
TERMS AND CONDITIONS
Use of any information or materials on this website is entirely at user own risk, for which The Warnock Agency shall not be liable. It shall be the user’s own responsibility to ensure that any products, services or information
available through this website meet user specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the
copyright notice, which forms part of these terms and conditions.
Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
The first year's premium on all bonds is fully earned upon issuance. Pro-rated return on premium may be available on subsequent renewal years at the discretion of the surety company.
By purchasing a bond, user agree to the terms of indemnity of the underwriting surety company. For specific indemnity terms for each underwriting surety company, please contact us at 866-546-4605 prior to purchase.
User agree that the validity of user electronic signature is the same as a hand-generated signature.
In order for The Warnock Agency, its affiliates, and/or their agents to assess the Applicant in connection with the possible issuance of a Bond, it may be necessary to obtain information from third party sources. The individuals
signing below have an interest in having The Warnock Agency do business with the Applicant. To assist The Warnock Agency in gathering underwriting data, these individuals hereby authorize The Warnock Agency Inc to
perform the following: (1) Secure consumer reports from consumer reporting agencies (2) Make such pertinent inquiries as may be necessary from other sources in order to verify the information supplied. To the extent required by
law, the Company will, upon request, provide notice whether or not a consumer report has been requested by Company, and if so, of the name and address of the consumer reporting agency furnishing the report.
IMPORTANT: This is an application for a bond. A bond is a credit relationship. A bond is not an insurance policy. The Applicant (Principal) and Indemnitors are jointly and severally responsible for the obligations covered by the
bond and the conditions of the Indemnity Agreement contained in this application.
READ CAREFULLY. User’s purchase, electronic signature or wet signature binds user to legal obligations should this bond be executed. In consideration of The Warnock Agency, Inc., www.ezsuretybonds.com, www.suretybonds.
market, Merchant’s Bonding, American Contractors Indemnity Co, Great American Insurance, Ohio Casualty Insurance, Old Republic Surety & Insurance Companies, Platte River Insurance Companies, Capitol Indemnity
Corporation, United States Fire Insurance Company, United Casualty and Surety Insurance Company or any other Surety Company referred to hereafter as “Surety”, issuing the bond applied for, the undersigned hereby agree for
themselves, their heirs, successors and assigns, jointly and severally:
1. To pay Surety an annual premium in advance each year during which liability under the bond shall continue in force until satisfactory evidence of termination of the Surety’s liability is furnished to the Surety. First year’s
premium is fully earned upon issuance of the bond by Surety.
2. To indemnify Surety against all losses, liabilities, costs, damages, attorney’s fees, and expenses the Surety may incur or has incurred due to the execution or issuance of the bond on, before or after this date including any
modifications, renewals or extensions of the bond or the enforcement of the terms of this indemnity agreement.
3. The Surety or its representatives shall have the right to examine the credit history, department of motor vehicle records, employment history, books and records of the undersigned or the assets covered by the bond, or the
assets pledged as collateral for the bond. Privacy Notice: All nonpublic personal information gathered pursuant to the application shall not be disclosed except as permitted by law.
4. The undersigned agree to waive notice of the execution of the bond, notice of any fact, knowledge or information affecting the undersigned’s rights or liabilities under the bond that Surety may have or discover prior to or after
execution of the bond.
5. The undersigned, upon written demand, shall deposit with Surety a sum of money or other security requested by Surety to cover any claim, suit, expense, or judgment that Surety may in its absolute discretion determine is
necessary and the deposit shall be pledged as collateral security on any such bond or other bonds the Surety may have issued for the undersigned. The undersigned agrees that such collateral security may be used, without
limitation to the above or otherwise, to pay for any fees or costs incurred by Surety in the defense or prosecution of any claim between Surety and undersigned regarding this agreement, including any claims for a return or
reduction of the collateral security, or any bond or bonds issued by Surety. The undersigned expressly grants Surety the authority to retain the collateral security until Surety determines in its sole discretion that retention of such
collateral security is no longer required. The undersigned hereby irrevocably appoints Surety as their attorney in fact to execute any documents necessary to perfect Surety’s security interests in any collateral submitted to Surety.
Surety shall have the exclusive right to determine if any claim or suit shall be denied, paid, compromised, defended or appealed. An itemized statement of payments made by Surety shall be prima facie evidence of the
obligation of undersigned due to Surety. The undersigned agree that it is their responsibility to defend their own interests.
6. Surety and undersigned agree that the place of performance of this agreement, including the promise to pay Surety, and venue for any suit, arbitration, mediation or any other form of dispute resolution shall be at the sole
discretion of Surety.
7. The undersigned confirms that Surety shall have every right, defense or remedy including the rights of exoneration and subrogation.
8. Unless specified by law or stated in the bond that the bond cannot be cancelled, Surety may cancel bond by mailing a notice of cancellation in the U.S. mail or other form of suitable mailing to the Obligee and Principal at
the last address provided to Surety and cancellation shall become effective thirty (30) days after the date of deposit with the postal service.
9. If any of the provisions of this agreement are determined to be void or unenforceable under the laws of any place governing its construction or enforcement, this instrument shall not be void or vitiated thereby but shall be
construed and enforced with the same effect as though such provision(s) omitted.
10. In making this application for the hereinabove described bond the undersigned warrants all statements provided are true and hereby agrees to notify Surety or its agent, of any change within 48 hours after such change has
occurred. Regardless of the date of signature or purchase, this indemnity is effective as of the date of execution and renewal of the aforementioned bond(s) and is continuous until Surety is satisfactorily discharged from liability
pursuant to the terms and conditions contained herein and in the bond(s).
BROKER COMMISSION AGREEMENT AND COMPENSATIONS DEFINITION
Suret(ies) sell insurance products and services through insurance agents and brokers, commonly referred to as “Producers.” The compensation paid to producers is designed to encourage them to sell products, place profitable
business with the surety(ies), and provide services to policyholders.
A producer may receive one or more of the below payments, depending on the Producer’s business relationship with its surety(ies).
Producers are generally paid a Base Commission for the sale and service of policies. Base Commission is a fixed percentage of the policy premium or a fixed amount per policy set prior to the sale (effective date) of the policy to
which it applies. The percentage or amount may vary depending on certain factors, such as the type of product, the risk classification, whether the policy is new or a renewal, whether another policy is written for the same
insured, and the services provided to the policyholder. In some cases, the percentage or amount may be negotiated on a transaction by transaction basis, and may vary by Producer based, at least in part, on the Producer’s past
performance and the expected value of the Producer’s future business.
Like Base Commission, Supplemental Commission is a fixed percent of premium or a fixed amount per policy, which is set prior to the sale of the policy to which it applies. Eligibility for, and the amount of, Supplemental
Commission paid on current business is based upon a Producer’s ability to meet certain past production, growth, profitability or other historical performance objectives established by the surety(ies).
Contingent Commission is generally a particular percent of the premium written during a preceding performance period or a particular sum that is based upon a Producer’s ability to meet certain production, growth, profitability
or other performance objectives established by us for that preceding period. As such, eligibility for, and the amount of Contingent Commission cannot be determined until after the sale of bonds that occur over a given period of
time. Contingent Commission is generally paid separately from Base Commission on an annual or other periodic basis. By executing this document user specifically acknowledge user understanding that we may enter into such
Producer Administrative Fees.
Some producers may charge their customers a fee on their own account related to services they provide to their customers. Any such fee would not be part of the premium charged by the surety, would not be charged on the
surety’s behalf, and may be in addition to receiving compensation from the surety. This can include a placement contingency fee. Producer fees are for services that are not customarily performed by agents. These services may
include underwriting, financial reviews, agency billing, credit card processing, renewal billing, and rate negotiation.
Consent to Rate.
Certain applicants may or may not qualify for standard (filed) rates or we may choose to place certain applicants on non-standard surety programs. By executing this disclosure applicant clearly understands the deviation from
standard or filed rates and specifically consents to the same. Certain risks may require broker placement fees in addition to premium. Applicant acknowledges these cost issues and specifically consents to the same. By
purchasing a bond, user understand that ALL premiums, commissions and fees have been combined into the quote, that all fees are FULLY earned upon execution of bond(s) and/or policy(ies) and user consents to that/those
fees as quoted. Upon request, a fee or rate schedule is available.
is a division of:
The Warnock Agency Inc
4810 McEver Road
Oakwood, GA 30566