The Contractor Bond Experts
Need help? Call +1 (623) 343-FAST Email [email protected]
The Contractor Bond Experts
Need help? Call +1 (623) 343-FAST Email [email protected]
Effective Date: February 6, 2026 Company: ContractorBonds.us
If you do not agree with the terms described in these Terms and Conditions, please do not use our Site.
By accessing or using ContractorBonds.us, you agree to be bound by these Terms and Conditions. Your use constitutes your legally binding electronic signature under the U.S. ESIGN Act.
You must be at least 18 years old to use this Site. If you are under 18, you may only use this Site with parental consent and supervision.
This Site is intended for users located in the United States. ContractorBonds.us is designed and operated with the intent to comply with applicable federal law and the insurance, construction licensing, consumer protection, and privacy laws of the states in which services are offered.
Insurance and contractor bonding requirements vary by jurisdiction. While we make reasonable, good-faith efforts to comply with applicable state laws, certain services, disclosures, or features may not be available in all jurisdictions. If you have questions regarding compliance in your state or believe additional disclosures may be required, you are encouraged to contact us so we may review and address the matter.
Where compliance with a particular jurisdiction's requirements would be impracticable, unclear, or legally uncertain, we reserve the right to restrict or limit access to the Site or specific services in that jurisdiction. Nothing in these Terms is intended to waive, avoid, or disclaim compliance with applicable law.
ContractorBonds.us operates as an intermediary platform connecting contractors and construction businesses requiring surety bonds with licensed surety companies and agents. We provide:
Bond application processing and submission services
Premium quotes and comparisons
Educational resources about contractor bonds
Customer support throughout the bonding process
Important Disclaimer: Bonds may be issued by the owner of this site, by other licensed agents, or by licensed surety companies. All bonds are issued by appropriately licensed entities in accordance with applicable insurance regulations.
By submitting a bond application through ContractorBonds.us, you request that ContractorBonds.us, Nagashima Pavarini Ltd, and Phil Pavarini, Insurance Agent (collectively, the "Agent") assist with the processing, submission, and placement of a surety bond (the "Bond") with one or more licensed surety companies (each, a "Surety"). This authorization covers the application process and acknowledges disclosures. It is not a substitute for any indemnity agreement required by a Surety.
You certify that all information provided is true, complete, and accurate to the best of your knowledge. You understand that the Agent and any Surety will rely on this information when evaluating, underwriting, issuing, renewing, or declining the Bond and agree to promptly notify the Agent of any material changes prior to issuance.
You authorize the Agent and any Surety to verify all information provided and to obtain consumer and business credit reports, background information, and financial data at any time for underwriting, renewal, claims investigation, debt collection, compliance, fraud prevention, or other legitimate business purposes. You authorize banks, courts, contractors licensing boards, attorneys, employers, and other third parties to release relevant information and release the Agent, Surety, and such parties from liability arising from lawful disclosure or use of such information.
You acknowledge that bond premiums, service fees, and related charges are earned upon issuance of the Bond and are generally non-refundable once issued, even if later canceled, rejected, or unused, except where required by applicable law. Renewal premiums may continue to be due until written evidence of discharge or termination of liability is accepted by the Surety.
You acknowledge that the Agent acts solely as an intermediary and does not guarantee bond approval or issuance. All underwriting decisions, bond terms, collateral requirements, indemnity requirements, and claims handling are determined solely by the Surety. The Agent shall not be liable for the acts, omissions, decisions, or requirements of any Surety, except to the extent caused by the Agent's gross negligence or willful misconduct.
You acknowledge that the issuing Surety will require execution of its own indemnity agreement as a condition of issuing the Bond. Any Surety indemnity agreement is a separate contract that governs loss, claims, collateral, and reimbursement obligations. This document does not replace or limit any Surety indemnity agreement.
If signing on behalf of an entity, business, or construction company, you affirm that you are duly authorized to submit this application. Signing as an authorized representative does not create a personal indemnity obligation unless a separate indemnity agreement is executed.
Any person who knowingly provides false, incomplete, or misleading information to induce the issuance of a bond commits insurance fraud and may be subject to criminal prosecution, fines, imprisonment, and civil penalties.
We facilitate applications for various types of contractor bonds including but not limited to:
License and permit bonds
Bid bonds
Performance bonds
Payment bonds
Maintenance and warranty bonds
Subdivision and site improvement bonds
Specialty contractor bonds
Contract bonds
Public works bonds
Each bond type has specific legal requirements that vary by jurisdiction. You are solely responsible for determining the correct bond type, amount, and specific requirements for your situation. We recommend consulting with legal counsel or your licensing authority to ensure compliance with all applicable laws and bonding requirements.
TIME IS OFTEN CRITICAL in contractor bonding matters, particularly for bid bonds and permit deadlines. You are solely responsible for meeting all project deadlines and licensing requirements. We are not responsible for delays in bond processing or issuance that may affect deadlines.
You understand that most contractor bonds remain in effect for a specified term or until formally discharged by the obligee or until the underlying obligation is satisfied. Renewal premiums and ongoing obligations may continue during this entire period.
Surety companies may require collateral, financial statements, credit checks, or other security measures before issuing a bond. These requirements are determined solely by the surety company and may vary based on the bond amount, your financial profile, business history, and the specific risk factors involved.
Certain states may require additional disclosures regarding insurance transactions. Any such state-specific requirements are incorporated herein by reference. We comply with all applicable state insurance regulations and licensing requirements. Our insurance license information is available upon request.
All pricing, listings, and information on ContractorBonds.us are provided as a courtesy only and for informational purposes. We make no guarantees, warranties, or representations of any kind regarding bond approval, pricing, or availability.
You are solely responsible for:
Verifying that any surety company or agent you work with is properly licensed and authorized
Confirming adequate financial strength ratings and claims-paying ability
Verifying compliance with all licensing requirements and project deadlines
Conducting your own due diligence on surety companies and agents
Making your own independent judgment about which surety company or agent to work with
Resolving any disputes directly with the surety company or agent you choose
Ensuring all bond requirements are met according to applicable law
Maintaining compliance with all licensing requirements and contractual obligations
Use your own discretion in all decisions. ContractorBonds.us is not responsible for any disputes, damages, losses, bond failures, premium disputes, claims, legal violations, or any other issues arising from your use of any surety company, agent, or bond obtained through this Site.
For information about how we collect, use, and protect your personal information, please see our Privacy Policy at ContractorBonds.us/privacy, which is incorporated by reference into these Terms.
You consent to receive communications from the Agent, participating Sureties, and their authorized marketing, referral, and service partners by email, telephone, text message, direct mail, and postcards regarding your application, the Bond, related services, and educational or informational offerings. Consent is not a condition of purchasing any product or service. Marketing communications may be opted out of at any time using unsubscribe links, replying STOP to text messages, or contacting us. Opting out of marketing does not affect transactional, service, legal, or compliance communications.
By using the Site or providing your contact information, you also consent to receive transactional communications from ContractorBonds.us via text message, email, phone, or other electronic means regarding your account, services you've requested, and essential Site updates. Standard message and data rates may apply.
Communications related to security, abuse prevention, investigation, or enforcement actions are deemed essential operational communications and are not subject to marketing opt-out preferences.
ContractorBonds.us may participate in various affiliate marketing programs and display advertisements on the Site. We may earn commissions or fees when you click on certain links or purchase products or services through affiliate links. The presence of affiliate links or advertisements does not constitute our endorsement of any product, service, or company.
By using the Site, you grant ContractorBonds.us permission to collect, store, and use certain technical information related to your use of the Site, including IP address, general geographic location (city/state level), browser type, device information, operating system, referring URLs, pages viewed, time spent on pages, and other usage data.
You agree that electronic, digital, and facsimile signatures are legally binding. Electronic records are deemed originals and admissible as evidence. For security, compliance, attribution, analytics, and fraud prevention, records associated with applications and signatures may include date, time, IP address, device and browser information, operating system, referral source, and approximate geographic location.
Data Security Limitations: While we implement commercially reasonable security measures, we make no guarantees regarding data security and are not liable for any unauthorized access to, disclosure of, alteration of, or loss of data resulting from circumstances beyond our reasonable control, including third-party breaches, hacking, cyberattacks, malware, system failures, or acts of third parties. You acknowledge that no method of electronic transmission or storage is 100% secure.
In the event of a data breach or security incident, our maximum liability shall be limited to the amounts specified in Section 15 (Limitation of Liability). We are not responsible for any consequential, indirect, or punitive damages arising from any data breach or security incident.
In addition to the data described above, ContractorBonds.us may collect, derive, and analyze technical and behavioral signals for the purposes of security, fraud prevention, abuse detection, compliance monitoring, system integrity, performance optimization, and protection of proprietary data.
Such signals may include, without limitation: IP reputation indicators, request frequency and timing patterns, session characteristics, interaction behavior, device and browser attributes, operating system details, viewport characteristics, timezone and language settings, referrer information, approximate geolocation indicators, anomaly scores, heuristic flags, and other technical or behavioral markers commonly used to detect automated access, scraping, abuse, or misuse.
These signals may be analyzed using automated systems, rules-based logic, statistical models, and/or machine learning techniques. Decisions based on such analysis may result in rate limiting, request blocking, access restriction, logging, investigation, suspension, or enforcement actions, with or without notice.
You acknowledge and agree that such monitoring is necessary to protect the Site, its users, and its proprietary data, and that no expectation of anonymity or unmonitored access exists when using the Site.
You agree not to interfere with, evade, obscure, disable, manipulate, or attempt to bypass any technical safeguards, monitoring mechanisms, rate limits, access controls, bot-detection systems, or anti-abuse measures employed by ContractorBonds.us.
Any attempt to conceal automated access, falsify client signals, rotate identifiers to avoid detection, or otherwise misrepresent the nature of access shall constitute a material breach of these Terms.
ContractorBonds.us retains full discretion regarding who may use the Site and editorial control over all content, listings, and features. We reserve the right to remove any listing, user, account, or content at any time, without prior notice, for any reason or no reason whatsoever. We may also modify, suspend, or discontinue any aspect of the Site at any time without notice or liability. This discretion includes the use of automated systems to identify, classify, and respond to abusive or unauthorized activity, including automated restriction or termination of access without prior notice.
Before posting any review, rating, comment, or feedback about ContractorBonds.us, or before initiating any legal action, arbitration, or small claims court proceeding, we encourage you to contact us first so we may have an opportunity to address your concerns.
All services, content, information, and features are provided strictly on an "AS-IS" and "AS AVAILABLE" basis with absolutely no warranties of any kind. We expressly disclaim all warranties including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, reliability, timeliness, functionality, performance, results, uninterrupted access, error-free operation, data security, or protection from unauthorized access.
Some content on the Site may be created with the assistance of artificial intelligence technologies, and images may be AI-generated or sourced from public domain libraries. We are not attorneys and nothing on this Site constitutes legal advice. You should consult with qualified legal counsel regarding your specific situation and bond requirements. ContractorBonds.us does not warrant that its abuse-detection or automated enforcement systems will be error-free or that all unauthorized activity will be detected or prevented.
To the maximum extent permitted by applicable law, ContractorBonds.us and its owners, operators, officers, directors, employees, agents, affiliates, partners, licensors, and service providers shall not be liable to you or any third party for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages of any kind whatsoever.
Our maximum aggregate liability to you for any and all claims arising out of or related to your use of the Site, bond services, or these Terms shall not exceed one hundred dollars ($100) or the amount of service fees you paid to ContractorBonds.us in the twelve months preceding the claim, whichever is greater. This limitation applies to all claims collectively.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law. No liability shall arise from actions taken in good faith to monitor, investigate, prevent, or enforce against suspected automated access, scraping, abuse, or violations of these Terms.
Neither party shall be liable for any failure to perform due to circumstances beyond their reasonable control, including acts of God, government actions, natural disasters, pandemics, system failures, or other unforeseeable events that prevent performance of obligations under these Terms.
You agree to indemnify, defend, and hold harmless ContractorBonds.us and its owners, operators, officers, directors, employees, agents, affiliates, partners, licensors, and service providers from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses including reasonable attorneys' fees arising out of or related to:
Your use or misuse of the Site or bond services
Your violation of these Terms or any applicable law
Your violation of any third-party rights
Any content you submit or publish
Your negligence or willful misconduct
Any bond-related disputes or claims
Any failure to meet licensing requirements or contractual obligations
Any data breaches, security incidents, or privacy violations arising from your own systems, practices, or negligence (excluding breaches of our own systems caused by our negligence)
Any misrepresentation of your qualifications, authorization, or financial status
Your failure to comply with legal requirements applicable to your contracting business
Any claims arising from bonds obtained through our services
We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you.
Before initiating any legal action, arbitration, small claims court proceeding, or commencing any other formal dispute resolution process, you must first provide written notice of the dispute to ContractorBonds.us via contact form on our Site. Your notice must describe the nature of the dispute, the facts giving rise to it, and the relief you are seeking. Both parties agree to attempt to resolve the dispute informally in good faith for at least thirty days after receipt of the notice.
Either party may bring an individual action in small claims court if the claim qualifies for small claims court jurisdiction and remains in small claims court.
You have the right to opt out of the arbitration provisions in Section 18.4 by sending written notice of your decision to opt out to us via contact form on our Site within thirty (30) days of first accepting these Terms. If you opt out, all other terms of these Terms will continue to apply, and any disputes will be resolved in the courts specified in Section 25.
If you do not opt out pursuant to Section 18.3, and if the dispute cannot be resolved through informal negotiation within the thirty-day period and is not brought in small claims court, you agree that any dispute shall be resolved exclusively through binding individual arbitration rather than in court. The arbitration shall be administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in the State of Ohio unless both parties agree in writing to a different location. The arbitrator shall apply the substantive law of the State of Ohio without regard to its conflict of law principles.
You expressly agree to bring any claims against ContractorBonds.us only in your individual capacity and not as a plaintiff, class member, or participant in any purported class action, collective action, consolidated action, representative action, or private attorney general action. If this class action waiver is found to be unenforceable for any reason, then the entirety of this arbitration provision shall be null and void, but the remainder of these Terms shall remain in effect.
Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.
You retain ownership of all materials you provide to the Site. We retain ownership of all original content we create for the Site. Third-party content remains the property of its original creator or owner.
By submitting content to the Site, you grant ContractorBonds.us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, display, and distribute such content in connection with operating and promoting the Site.
The compilation, arrangement, and presentation of all data, listings, and content on the Site constitute proprietary database rights and intellectual property of ContractorBonds.us protected under applicable law.
The Site may utilize software, platforms, or services licensed from third parties. We are not responsible for their performance, availability, or compliance with their own terms. The Site may also contain links to third-party websites or services. We do not control, endorse, or assume any responsibility for any third-party sites or services.
You agree to use the Site only for lawful purposes and in a manner consistent with its intended use as a consumer-facing platform for obtaining information, education, and assistance relating to contractor surety bonds.
Prohibited activities include, without limitation: submitting false or misleading information; impersonating any person or entity; attempting to gain unauthorized access to systems or data; interfering with Site functionality or security; transmitting malware or harmful code; harassing or abusing other users; or engaging in any activity that violates applicable law.
The Site's pricing tools, calculators, quote engines, and compiled information are designed for individual human use through standard web browsers. Use of automated tools, scripts, bots, headless browsers, or other non-human mechanisms to access or extract Site data is not permitted except where explicitly authorized in writing by ContractorBonds.us.
For purposes of this Section, "Automated Access" means access by scripts, bots, crawlers, headless browsers, scraping tools, or other non-human mechanisms, whether or not designed to mimic human behavior.
This Site and its pricing tools are intended for use by individual human users making genuine inquiries. Automated Access to pricing calculators, quote engines, surety listings, or compiled data is not permitted without prior written authorization from ContractorBonds.us, regardless of intent or purpose.
The pricing data, surety company information, calculators, and compiled materials made available on the Site reflect substantial time, effort, and investment and are provided solely for legitimate consumer use through the Site's normal interfaces. Unauthorized Automated Access, scraping, crawling, bulk extraction, or copying of Site data may interfere with Site performance, increase operational and security costs, and diminish the value and reliability of the compiled information.
To protect users and system integrity, ContractorBonds.us may use reasonable technical measures such as server logs, request patterns, behavioral indicators, and automated monitoring tools to identify suspected unauthorized Automated Access. These measures are used for security, reliability, and abuse prevention purposes and are not intended to monitor ordinary consumer activity.
In the event of confirmed unauthorized Automated Access, the parties agree that the resulting harm is difficult to measure precisely. Accordingly, and only in such cases, the following liquidated damages represent a reasonable and good faith estimate of anticipated damages rather than a penalty: five hundred dollars ($500) per detected automated access session; fifty dollars ($50) per individual surety company record extracted through automated means; twenty-five dollars ($25) per pricing calculation or quote accessed through automated means; with a minimum aggregate amount of ten thousand dollars ($10,000) per violation.
These amounts are cumulative and are in addition to other available remedies, which may include access restriction, termination, injunctive relief, or recovery of reasonable enforcement costs and attorneys' fees where permitted by law. ContractorBonds.us may elect to pursue actual damages instead of liquidated damages if actual damages can be shown to exceed this estimate.
This Section applies solely to unauthorized automated activity and does not restrict normal, good-faith use of the Site by individual human users.
We reserve the right to modify these Terms at any time in our sole discretion. For material changes, we will provide at least thirty (30) days' notice before the changes take effect by posting a notice on the Site and, if you have provided an email address, by sending notice to that address. Changes will be effective upon the date specified in the notice. Your continued use of the Site after any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, your sole remedy is to stop using the Site before the effective date.
We may terminate, suspend, or restrict your access to the Site at any time, immediately and without prior notice, for any reason or no reason. Upon termination, your right to use the Site immediately ceases. You may terminate your use of the Site at any time by ceasing to access it and contacting us to request removal of your account.
Provisions that by their nature should survive termination shall survive, including provisions regarding intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be deemed severed and shall not affect the validity or enforceability of the remaining provisions.
These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the State of Ohio, without giving effect to any principles of conflicts of law. Subject to the arbitration and small claims provisions above, any legal action or proceeding arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Ohio, and you consent to the personal jurisdiction and venue of such courts.
These Terms constitute the entire agreement between you and ContractorBonds.us regarding your use of the Site and supersede all prior agreements, communications, and understandings relating to the subject matter hereof.
For questions, concerns, notices, requests, or to exercise any rights under these Terms, you may contact us via our contact form or by mail at:
ContractorBonds.us 2301 Hamilton Ave, Room 109 Cleveland, OH 44114 United States
By using the Site, creating an account, submitting bond applications or information, clicking any "I Agree" or "Accept" button, or continuing to access or use any portion of the Site, you acknowledge and agree that you have carefully read, fully understood, and agree to be bound by these Terms and Conditions in their entirety. Your electronic acceptance constitutes your legally binding electronic signature under the U.S. Electronic Signatures in Global and National Commerce Act (ESIGN Act).
ContractorBonds.us – Connecting contractors and construction businesses with licensed surety companies and agents for contractor bonds nationwide.
Last Updated: February 6, 2026
© ContractorBonds.us - ContractorBonds.us provides bond application processing and surety company connections for contractor, construction, and performance-related surety bonds. Built by licensed insurance professionals with extensive experience in the surety bond industry.
