The Warnock Agency Inc
4810 McEver Road Oakwood, GA 30566
P3P Notification
Some browsers require third party cookies to use the P3P protocol to state their privacy practices. However, the P3P
protocol was not designed with for all situations. As a result, we've inserted a link into our cookies that directs users to our
privacy page where they can learn more about the privacy practices associated with these cookies.
Information that we collect in association with these cookies is subject to our Privacy Policy. If you have any questions
about our cookies and P3P, please feel free to contact us or write to us at:
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 this pledge:

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 third party
not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

Information Collection.

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

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


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

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 risk. Please be
aware that THE WARNOCK AGENCY INC is not responsible for the content of third party Web sites linked to THE
WARNOCK AGENCY INC nor are we responsible for the privacy policy or practices of third party Web sites linked to THE
WARNOCK AGENCY INC. Our Privacy Policy only applies to information we collect from you while you are at and while
you are actively in a session with THE WARNOCK AGENCY INC. If you should link to a third party Web site from THE
WARNOCK AGENCY INC, we strongly encourage you to review and become familiar with that Web site's privacy policy.

Changes In Our Privacy Policy.

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the
changes. If you have any questions about our privacy policy, please feel free to contact us at (678) 971-4195.

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.,,, 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

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

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).


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

Base Commission.
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.

Supplemental Commission.
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.
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 contingency arrangements.

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.