{"id":1101,"date":"2018-10-16T13:33:42","date_gmt":"2018-10-16T13:33:42","guid":{"rendered":"https:\/\/bhmdev.com\/sphilipsins\/?post_type=suretybonds&#038;p=1101"},"modified":"2023-09-20T12:46:56","modified_gmt":"2023-09-20T19:46:56","slug":"fidelity-dishonesty-bonds","status":"publish","type":"suretybonds","link":"https:\/\/bhmdev.com\/sphilipsins\/bonds\/fidelity-dishonesty-bonds\/","title":{"rendered":"Fidelity &#038; Dishonesty Bonds"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Feature&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#eaf7fd&#8221; custom_padding=&#8221;50px||100px||false|false&#8221; bottom_divider_style=&#8221;arrow3&#8243; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_flip=&#8221;horizontal&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row padding_top_bottom_link_1=&#8221;true&#8221; _builder_version=&#8221;3.25&#8243; max_width=&#8221;1280px&#8221; custom_margin=&#8221;0px||0px||true&#8221; custom_padding=&#8221;0px||0px||true&#8221; animation_direction=&#8221;bottom&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;TOP LEVEL BOND NAME&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;Kanit|||on|||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#0788CA&#8221; header_font_size=&#8221;44px&#8221; header_line_height=&#8221;1.1em&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_3_text_color=&#8221;#0788CA&#8221; header_4_text_color=&#8221;#0788CA&#8221; header_5_text_color=&#8221;#0788CA&#8221; header_6_text_color=&#8221;#0788CA&#8221; max_width=&#8221;70%&#8221; max_width_tablet=&#8221;96%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;|0vw||0vw||true&#8221; custom_padding_phone=&#8221;|||||false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;fade&#8221; animation_direction=&#8221;bottom&#8221; header_font_size_tablet=&#8221;36px&#8221; header_font_size_phone=&#8221;&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>FIDELITY AND DISHONESTY BONDS<\/h1>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;SUBTITLE&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;|900|||||||&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_color=&#8221;#5e7a8a&#8221; header_2_font_size=&#8221;21px&#8221; header_2_letter_spacing=&#8221;1.6px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_6_font=&#8221;Montserrat|300|||||||&#8221; header_6_text_align=&#8221;center&#8221; header_6_text_color=&#8221;#85c344&#8243; header_6_letter_spacing=&#8221;0.2px&#8221; header_6_line_height=&#8221;1.4em&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;-14px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||true&#8221; custom_padding_tablet=&#8221;|0vw||0vw||true&#8221; custom_padding_phone=&#8221;|||||false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;5%&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>S Philips Insurance Services is a Nationwide Supplier of Surety Bonds<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;About&#8221; _builder_version=&#8221;3.22&#8243; custom_padding=&#8221;60px|0px|0px|0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_margin=&#8221;0px||60px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;OVERVIEW \/ DESCRIPTION&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#009285&#8243; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; max_width=&#8221;80%&#8221; max_width_tablet=&#8221;96%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||20px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Also known as an <em>honesty bond<\/em>, a <strong>Fidelity Bond<\/strong> is a form of business insurance that offers an employer protection against losses \u2013 either monetary or physical \u2013 caused by its employees&#8217; fraudulent or dishonest actions. Fidelity bonds are often held by insurance companies and brokerage firms, which are specifically required to carry protection proportional to their net capital. Among the possible forms of loss a fidelity bond covers include fraudulent trading, theft and forgery.<\/p>\n<p>An <strong>Employee Dishonesty Bond<\/strong> is a type of Fidelity Bond that protects your business from dishonest acts by your employees. This includes protection against fraud, embezzlement, forging checks, stealing money or merchandise, and so forth.<\/p>\n<p>An Employee Dishonesty Bond does not cover against your employees stealing from your customers. Employee Dishonesty Bonds are not required by law. Any business can get one of these bonds as an added protection for their business.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Feature&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#345168&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;#5e7a8a&#8221; background_color_gradient_end=&#8221;rgba(94,122,138,0.78)&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/bhmdev.com\/sphilipsins\/wp-content\/uploads\/2018\/10\/bonds-1.jpg&#8221; custom_padding=&#8221;7.5%||10%||false|false&#8221; bottom_divider_style=&#8221;slant&#8221; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_flip=&#8221;horizontal&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; max_width=&#8221;1280px&#8221; custom_margin=&#8221;0px|||&#8221; custom_padding=&#8221;0px|||&#8221; animation_direction=&#8221;bottom&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;CLICK ON THE BOND CATEGORIES BELOW TO LEARN MORE&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Lato|||on|||||&#8221; text_font_size=&#8221;28px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300|||||||&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;2px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_6_font=&#8221;Kanit||||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;5%&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>WE OFFER THOUSANDS OF BONDS AND IT&#8217;S IMPOSSIBLE TO LIST THEM ALL.<br \/>IF YOU DON&#8217;T SEE A SPECIFIC BOND, JUST REQUEST A QUOTE!<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;SEARCH BAR&#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Lato|||on|||||&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300|||||||&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;2px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_6_font=&#8221;Kanit||||||||&#8221; 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you\u2019re looking for? Chances are we probably offer it! 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module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>SPECIAL: NEW HOME REMODEL OR REPAIR BOND<\/strong><br \/>Guarantee of funds, this new bond covers the money that a homeowner advances to the contractor in accordance with their written agreement and helps contractors make homeowners feel more secure when advancing monies.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#quick-quote&#8221; button_text=&#8221;CLICK HERE FOR APPLICATION AND MORE DETAILS ON COVERAGE&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.13.0&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; 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admin_label=&#8221;About&#8221; _builder_version=&#8221;3.22&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_start=&#8221;#ffffff&#8221; background_color_gradient_end=&#8221;#f4f4f4&#8243; custom_padding=&#8221;50px|0px|50px|0px|true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_margin=&#8221;0px||0px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Don\u2019t see the specific bond you\u2019re looking for? &#8221; _builder_version=&#8221;3.27.4&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#009285&#8243; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; max_width_tablet=&#8221;96%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Don\u2019t see the specific bond you\u2019re looking for? Chances are we probably offer it! There\u2019s thousands of bonds out there and it would be impossible to list them all. <strong>Contact us today to get a quote for the specific bond you need<\/strong>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.14.8&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;FAQs About Fidelity and Dishonesty Bonds&#8221; _builder_version=&#8221;4.14.8&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; hover_enabled=&#8221;0&#8243; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; z_index_tablet=&#8221;500&#8243; text_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_text_shadow_blur_strength_tablet=&#8221;1px&#8221; link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_2_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_2_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_2_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_3_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_3_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Frequently Asked Questions About Fidelity and Dishonesty Bonds<\/h2>\n<p>We want you to feel comfortable working with our surety bond company and realize you may still have questions. Our FAQ section below will help you understand more about our business and what we do. Let&#8217;s learn more!<\/p>\n<p>[\/et_pb_text][et_pb_accordion _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;How Do I Differentiate Between %22Fidelity Bond%22 Vs %22Surety Bond?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">A surety bond speaks to a legal document that is meant to guarantee that a contract will be completed as expected. The party completing the job will pay a specific sum to a bond company, which is meant as an incentive to ensure the expected parameters are met and that the customer has peace of mind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Business owners may also require that the contractors or subcontractors they hire for jobs to pay, which would guarantee the work they&#8217;re meant to do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A fidelity bond is simply a type of surety bond, which is designed to protect both a business and its customers. The benefits offered will depend on the bond purchase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, protection may be offered from financial loss in incidents having to do with general theft or fraud.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can Employee Dishonesty Bonds Work to Protect My Business from All Forms of Theft?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>As the name implies, the bond is meant to protect your business from acts that dishonest employees may commit. Some of these acts include forgery, employee theft, embezzlement, and fraud.<\/p>\n<p>Be that as it may, it does not provide coverage in instances such as those where employees steal from your customers, for example.<\/p>\n<p>The onus is on you to do your due diligence by speaking to one of our representatives to understand the extent of the coverage you are afforded.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How Many Types of Common Fidelity Bonds Are There?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]There are several types of fidelity bonds, which cover different areas of protection. Among them, the three most common are:<\/p>\n<ol>\n<li>Employee dishonesty bonds: This is explained above<\/li>\n<li>Business service bonds: You may also hear of these being called janitorial service bonds or business bonds. They are arguably the most important type and will protect clients who are visited by employees. For example, if a service representative should visit a client&#8217;s place of business and steal a piece of equipment, the bond would offer reimbursement.<\/li>\n<li>Employee Retirement Income Security Act (ERISA) bonds: This comes from an act of 1974 that requires pension plan trustees to have bonds no less than 10% of the plan&#8217;s total assets. The idea is to protect beneficiaries from malicious actions of those who manage pension plans such as a 401(K).<\/li>\n<\/ol>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How Much Will a Fidelity Bond Cost?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Like insurance coverage, the cost of a bond is not going to be the same in all cases, even those in which similar businesses with similar operations require similar levels of coverage. There is a process involved that will consider the bond you need, the risk involved, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With that being said, S Phillips Surety &amp; Insurance Services, Inc. would be more than happy to provide you with a quote for the bond you need. We&#8217;ve made it easy to make your request with our quick quote function, which you can access <\/span><a href=\"https:\/\/bhmdev.com\/sphilipsins\/bonds\/fidelity-dishonesty-bonds\/#quick-quote\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How Do I Know Where Legal Fidelity Bond Requirements Exist?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">This will depend on the type of operation and industry. As a general rule of thumb, fidelity bonds are not a legal requirement. However, some industries will either have regulatory or legal stipulations that require them to be in place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Financial institutions or insurance companies are good examples of such situations. Be that as it may, businesses are advised to voluntarily acquire fidelity bonds since they act as a measure of risk management.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What&#8217;s the Difference Between Being Bonded, Insured, and Licensed?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">If a business is bonded, it has purchased a surety bond, which represents an agreement between the principal (bond purchaser), obligee (party requiring the bond), and the surety (the company issuing the bond).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Being insured means transferring several risks to a third party through a paid insurance policy. The policy used will be based on the risks that need to be covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A licensed business is simply one that has met the minimum requirements to conduct a certain type of business in a certain location.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;When Will Employee Dishonesty Bond Insurance Be Needed?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.14.8&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">You should consider a <\/span><span style=\"font-weight: 400;\">dishonesty bond<\/span><span style=\"font-weight: 400;\"> in any situation where there are employees who are in a position to commit acts that the business would need protection from. For example, you may want to make this consideration if you have employees handling business finances.<\/span><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;About&#8221; module_id=&#8221;quick-quote&#8221; _builder_version=&#8221;3.8&#8243; custom_padding=&#8221;60px|0px|60px|0px|false|false&#8221; global_module=&#8221;120&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;3.25&#8243; custom_margin=&#8221;0px||0px||true&#8221; custom_padding=&#8221;0px||0px||true&#8221; use_custom_width=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.13.0&#8243; text_font=&#8221;Montserrat|300|||||||&#8221; text_text_color=&#8221;#5e7a8a&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.8em&#8221; link_font=&#8221;||||||||&#8221; ul_font=&#8221;||||||||&#8221; ol_font=&#8221;||||||||&#8221; quote_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;Kanit|300||on|||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#0788CA&#8221; header_2_font_size=&#8221;40px&#8221; header_2_letter_spacing=&#8221;0.4px&#8221; header_2_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;||||||||&#8221; header_4_font=&#8221;||||||||&#8221; header_5_font=&#8221;||||||||&#8221; header_6_font=&#8221;Lato|700|||||||&#8221; header_6_font_size=&#8221;18px&#8221; header_6_letter_spacing=&#8221;1px&#8221; header_6_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;0px||20px||false&#8221; custom_padding=&#8221;0px||0px||true&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;22px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Get a Quick Quote TODAY<\/h2>\n<p>ALL ONLINE APPLICATIONS ARE SECURE<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Contact Form 7&#8243; _builder_version=&#8221;3.27.4&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f208-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"208\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/sphilipsins\/wp-json\/wp\/v2\/suretybonds\/1101#wpcf7-f208-o1\" method=\"post\" class=\"wpcf7-form init innerp-cf-step-1\" id=\"cf-step-1\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"208\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f208-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"step1\">\n\t<h3>Contact Information\n\t<\/h3>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"first_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s1_first_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/First Name*\" value=\"\" type=\"text\" name=\"first_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s1_last_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Last Name*\" value=\"\" type=\"text\" name=\"last_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" id=\"s1_phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Phone*\" value=\"\" type=\"tel\" name=\"Phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" id=\"s1_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t<\/p>\n\t<p><strong>Are you an agent?*<\/strong><span class=\"wpcf7-form-control-wrap\" data-name=\"agent-radio\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><span class=\"wpcf7-list-item-label\">Yes<\/span><input type=\"radio\" name=\"agent-radio\" value=\"Yes\" \/><\/span><span class=\"wpcf7-list-item last\"><span class=\"wpcf7-list-item-label\">No<\/span><input type=\"radio\" name=\"agent-radio\" value=\"No\" \/><\/span><\/span><\/span>\n\t<\/p>\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"GET MY QUOTE NOW!\" \/><br \/>\n<small><em>Rest easy knowing that all of your information is transmitted securely using an EV SSL encryption.<\/em><\/small><br \/>\n<small><strong>* Required Fields<\/strong><\/small><br \/>\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Website Quote Form\" type=\"hidden\" name=\"lead-source\" \/>\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Step 1\" type=\"hidden\" name=\"website-step-completed\" \/>\n\t<\/p>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<div id=\"final-thanks\" class=\"thanks-step\">\n<div class=\"progress-bar\"><span class=\"step1-text\">Step 1<\/span><br \/><span class=\"step2-text\">Step 2<\/span><br \/><span class=\"submit-text\">Submit<\/span><\/div>\n<p class=\"success-msg\">Thank you for contacting us! We&#8217;ll contact you shortly.<\/p>\n<\/div>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f209-o2\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"209\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/sphilipsins\/wp-json\/wp\/v2\/suretybonds\/1101#wpcf7-f209-o2\" method=\"post\" class=\"wpcf7-form init innerp-cf-step-2\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"209\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f209-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"step1_data\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"first_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s2_first_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/First Name\" value=\"\" type=\"text\" name=\"first_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" id=\"s2_last_name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Last Name\" value=\"\" type=\"text\" name=\"last_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" id=\"s2_phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Phone\" value=\"\" type=\"tel\" name=\"Phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" id=\"s2_email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Agent\/Email\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"step2 final_step\" id=\"wpcf7-step2\">\n\t<div class=\"progress-bar\">\n\t\t<p><span class=\"step1-text\">Step 1<\/span><br \/>\n<span class=\"step2-text\">Step 2<\/span><br \/>\n<span class=\"submit-text\">Submit<\/span>\n\t\t<\/p>\n\t<\/div>\n\t<h3>Insurance Information\n\t<\/h3>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"bond_amount\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Insurance Amount*\" value=\"\" type=\"text\" name=\"bond_amount\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"bond_type\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Insurance Type*\" value=\"\" type=\"text\" name=\"bond_type\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"bond_state\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"bond_state\"><option value=\"--SELECT AREA WHERE INSURANCE IS REQUIRED*--\">--SELECT AREA WHERE INSURANCE IS REQUIRED*--<\/option><option value=\"Canada\">Canada<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Alabama\">Alabama<\/option><option value=\"Alaska\">Alaska<\/option><option value=\"Arizona\">Arizona<\/option><option value=\"Arkansas\">Arkansas<\/option><option value=\"California\">California<\/option><option value=\"Colorado\">Colorado<\/option><option value=\"Connecticut\">Connecticut<\/option><option value=\"Delaware\">Delaware<\/option><option value=\"Florida\">Florida<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Hawaii\">Hawaii<\/option><option value=\"Idaho\">Idaho<\/option><option value=\"Illinois\">Illinois<\/option><option value=\"Indiana\">Indiana<\/option><option value=\"Iowa\">Iowa<\/option><option value=\"Kansas\">Kansas<\/option><option value=\"Kentucky\">Kentucky<\/option><option value=\"Louisiana\">Louisiana<\/option><option value=\"Maine\">Maine<\/option><option value=\"Maryland\">Maryland<\/option><option value=\"Massachusetts\">Massachusetts<\/option><option value=\"Michigan\">Michigan<\/option><option value=\"Minnesota\">Minnesota<\/option><option value=\"Mississippi\">Mississippi<\/option><option value=\"Missouri\">Missouri<\/option><option value=\"Montana\">Montana<\/option><option value=\"Nebraska\">Nebraska<\/option><option value=\"Nevada\">Nevada<\/option><option value=\"New Hampshire\">New Hampshire<\/option><option value=\"New Jersey\">New Jersey<\/option><option value=\"New Mexico\">New Mexico<\/option><option value=\"New York\">New York<\/option><option value=\"North Carolina\">North Carolina<\/option><option value=\"North Dakota\">North Dakota<\/option><option value=\"Ohio\">Ohio<\/option><option value=\"Oklahoma\">Oklahoma<\/option><option value=\"Oregon\">Oregon<\/option><option value=\"Pennsylvania\">Pennsylvania<\/option><option value=\"Rhode Island\">Rhode Island<\/option><option value=\"South Carolina\">South Carolina<\/option><option value=\"South Dakota\">South Dakota<\/option><option value=\"Tennessee\">Tennessee<\/option><option value=\"Texas\">Texas<\/option><option value=\"Utah\">Utah<\/option><option value=\"Vermont\">Vermont<\/option><option value=\"Virginia\">Virginia<\/option><option value=\"Washington\">Washington<\/option><option value=\"West Virginia\">West Virginia<\/option><option value=\"Wisconsin\">Wisconsin<\/option><option value=\"Wyoming\">Wyoming<\/option><\/select><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"company_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Company Name\/DBA\" value=\"\" type=\"text\" name=\"company_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"principal_phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Client\/Principal Phone\" value=\"\" type=\"tel\" name=\"principal_phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"principal_email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" placeholder=\"Client\/Principal Email\" value=\"\" type=\"email\" name=\"principal_email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"license_number\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Existing License Number (if applicable)\" value=\"\" type=\"text\" name=\"license_number\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"owners_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Owner&#039;s First &amp; Last Name\" value=\"\" type=\"text\" name=\"owners_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"ssn\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"SSN\" value=\"\" type=\"text\" name=\"ssn\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"address_1\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Address\" value=\"\" type=\"text\" name=\"address_1\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"address_2\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Address 2\" value=\"\" type=\"text\" name=\"address_2\" \/><\/span>\n\t<\/p>\n\t<p class=\"inline-address\"><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"City\" value=\"\" type=\"text\" name=\"city\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"state\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"state\"><option value=\"--SELECT--\">--SELECT--<\/option><option value=\"Canada\">Canada<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Alabama\">Alabama<\/option><option value=\"Alaska\">Alaska<\/option><option value=\"Arizona\">Arizona<\/option><option value=\"Arkansas\">Arkansas<\/option><option value=\"California\">California<\/option><option value=\"Colorado\">Colorado<\/option><option value=\"Connecticut\">Connecticut<\/option><option value=\"Delaware\">Delaware<\/option><option value=\"Florida\">Florida<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Hawaii\">Hawaii<\/option><option value=\"Idaho\">Idaho<\/option><option value=\"Illinois\">Illinois<\/option><option value=\"Indiana\">Indiana<\/option><option value=\"Iowa\">Iowa<\/option><option value=\"Kansas\">Kansas<\/option><option value=\"Kentucky\">Kentucky<\/option><option value=\"Louisiana\">Louisiana<\/option><option value=\"Maine\">Maine<\/option><option value=\"Maryland\">Maryland<\/option><option value=\"Massachusetts\">Massachusetts<\/option><option value=\"Michigan\">Michigan<\/option><option value=\"Minnesota\">Minnesota<\/option><option value=\"Mississippi\">Mississippi<\/option><option value=\"Missouri\">Missouri<\/option><option value=\"Montana\">Montana<\/option><option value=\"Nebraska\">Nebraska<\/option><option value=\"Nevada\">Nevada<\/option><option value=\"New Hampshire\">New Hampshire<\/option><option value=\"New Jersey\">New Jersey<\/option><option value=\"New Mexico\">New Mexico<\/option><option value=\"New York\">New York<\/option><option value=\"North Carolina\">North Carolina<\/option><option value=\"North Dakota\">North Dakota<\/option><option value=\"Ohio\">Ohio<\/option><option value=\"Oklahoma\">Oklahoma<\/option><option value=\"Oregon\">Oregon<\/option><option value=\"Pennsylvania\">Pennsylvania<\/option><option value=\"Rhode Island\">Rhode Island<\/option><option value=\"South Carolina\">South Carolina<\/option><option value=\"South Dakota\">South Dakota<\/option><option value=\"Tennessee\">Tennessee<\/option><option value=\"Texas\">Texas<\/option><option value=\"Utah\">Utah<\/option><option value=\"Vermont\">Vermont<\/option><option value=\"Virginia\">Virginia<\/option><option value=\"Washington\">Washington<\/option><option value=\"West Virginia\">West Virginia<\/option><option value=\"Wisconsin\">Wisconsin<\/option><option value=\"Wyoming\">Wyoming<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"zip_code\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Zip Code\" value=\"\" type=\"text\" name=\"zip_code\" \/><\/span>\n\t<\/p>\n\t<p>Are there any additional owners? <span class=\"wpcf7-form-control-wrap\" data-name=\"are_you_an_agent\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><label><input type=\"radio\" name=\"are_you_an_agent\" value=\"Yes\" \/><span class=\"wpcf7-list-item-label\">Yes<\/span><\/label><\/span><span class=\"wpcf7-list-item last\"><label><input type=\"radio\" name=\"are_you_an_agent\" value=\"No\" \/><span class=\"wpcf7-list-item-label\">No<\/span><\/label><\/span><\/span><\/span>\n\t<\/p>\n\t<p class=\"conditional_fields\"><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"agent_business_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Additional Owner&#039;s Name\" value=\"\" type=\"text\" name=\"agent_business_name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"agent_phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Additional Owner&#039;s Address\" value=\"\" type=\"text\" name=\"agent_phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"contact_person\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Additional Owner&#039;s SSN\" value=\"\" type=\"text\" name=\"contact_person\" \/><\/span>\n\t<\/p>\n\t<p>Any prior claims? <span class=\"wpcf7-form-control-wrap\" data-name=\"any_prior_claims\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><label><input type=\"radio\" name=\"any_prior_claims\" value=\"Yes\" \/><span class=\"wpcf7-list-item-label\">Yes<\/span><\/label><\/span><span class=\"wpcf7-list-item last\"><label><input type=\"radio\" name=\"any_prior_claims\" value=\"No\" \/><span class=\"wpcf7-list-item-label\">No<\/span><\/label><\/span><\/span><\/span>\n\t<\/p>\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"prior_claim_desc\"><textarea 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