TheGuarantors Agency
Legal/Regulatory Notice

The Guarantors Agency is a licensed insurance agent and broker located at 7 World Trade Center, New York, NY 10006. We work with a number of different trusted insurance carriers to back our products, including The Hanover Insurance Company, United Casualty and Surety Insurance Company, Arch Insurance Group Inc., Stillwater Insurance Group, and Chubb Limited. All of our products, including the details of coverage, are governed by terms and conditions set forth in their respective policies and forms, which include the details of coverage and any rights and obligations thereunder.

The Guarantors Agency lease rental bonds are backed by The Hanover Insurance Company, United Casualty and Surety Insurance Company, or Arch Insurance Group Inc., HO-4 policies are backed by Stillwater Insurance Company and ResiSDR bond certificates are backed by United Casualty and Surety Insurance Company. Securiti Bonds are backed by Chubb. The Guarantors Agency receives compensation for each insurance product that it sells through its platform. All solicitations to apply for insurance and applications for insurance are made through The Guarantors Agency. Issuance of coverage is subject to underwriting guidelines and approval, including applicable state regulations, and coverage may not be available in certain states. All services provided by The Guarantors Agency are subject to the applicable terms and conditions of the website and issued policy, including any agreements and/or forms setting forth coverage details and/or the rights and obligations thereunder.

The Information We Collect and Use.

As discussed in this Privacy Policy, “information” means information about you collected through our website(s), including your email address and other information you provide to us by registering for our Services or making requests for information about our Services. Any information provided to us will be retained and used solely for the purposes of fulfilling your request for information, fulfilling a request through a Site feature, performing and carrying out the terms of the Service, or communicating with you as a client or subscriber of Company Services.

The Guarantors Agency is licensed in the following states: 

  • MA
    • P&C Individual #2034108
    • P&C Entity #2065255
  • MD
    • P&C Individual #3000145139
    • P&C Entity #3000353077
  • NJ
    • P&C Individual #1619657
    • P&C Entity #1628821
  • NY
    • P&C Individual #1372729
    • P&C Entity #3000353077
    • E&S Individual #1372729-R
    • E&S Entity #1388207-R
  • VA
    • P&C Individual #1045605
    • P&C Entity #143962
  • WA
    • P&C Individual #959474
    • P&C Entity #988836
  • TX
    • P&C Individual #2266476
    • P&C Entity #2321351
  • CA
    • P&C Individual #0M36704
    • P&C Entity #0M44435
  • CT
    • P&C Individual #2598447
    • P&C Entity #2599959
  • IL
    • P&C Individual #17566335
    • P&C Entity #3000319309
  • PA
    • P&C Individual #853850
    • P&C Entity #858498
  • D.C.
    • P&C Individual #3000319239
    • P&C Entity #3000325966
  • FL
    • P&C Individual #W49817
  • OH
    • P&C Individual #1194333
    • P&C Entity #1209516
  • AZ
    • P&C Individual #17566335
    • P&C Entity #3000352091
  • RI
    • P&C Individual #3000332757
  • CO
    • P&C Individual #575586
    • P&C Entity #577504
  • IN
    • P&C Individual #3368910
    • P&C Entity #3373263
  • NH
    • P&C Individual #2414964
    • P&C Entity #2416882
  • WY
    • P&C Individual #381723
    • P&C Entity #382290
  • NE
    • P&C Individual #17566335
    • P&C Entity #100299506
  • NV
    • P&C Individual #3381365
    • P&C Entity #3383057
  • OK
    • P&C Individual #3000395446
    • P&C Entity #3000406257
  • KS
    • P&C Individual #17566335
    • P&C Entity #472127961-000
  • AR
    • P&C Individual #17566335
    • P&C Entity #3000410325

New York Notice of Protection for Victims of Domestic Violence

New York Insurance Law Section 2612 affords important protections for victims of domestic violence. This Law prohibits an individual, insurer or entity supervised by the New York Department of Financial Services, from undertaking any of the following actions solely because a person is or has been a victim of domestic violence: (i) refuse to issue or renew, deny or cancel any insurance policy or contract; (ii) demand or require a greater premium or payment from any person; (iii) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced; or (iv) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy. Under no circumstances may the fact that has a person is or has been a victim of domestic violence serve as an underwriting criterion.

Procedure for Providing Us an Alternative Address

If you are covered by one of our policies and have an order of protection against a policyholder or other person covered by a policy of The Guarantors Agency, you may send us a copy of the order of protection and any alternative address, telephone number, or other method of contact that you would like us to use, to:

  1. Guarantr, Inc.
  2. ATTN: Legal
  3. 7 World Trade Center, 46th Floor
  4. New York, NY 10006

Additional Information

The description of New York Insurance Law Section 2612 provided above is only a summary of the law. The complete text is available on the New York State Legislature’s website.

The New York State Office for the Prevention of Domestic Violence’s website has additional information and resources. To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906.

Fraud Warning

General Notice

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

The specific fraud warnings listed below are applicable in the following states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA and WV. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

General Notice of Insurance Practices and Use of Consumer Reports

In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we may order one or more reports provided by independent consumer reporting agencies.

These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, a credit score or an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score.

All reports are kept strictly confidential. The information we obtain will be used for underwriting purposes. We may access future reports in connection with an update, renewal, extension, cancellation, or non-renewal of your insurance coverage.

Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report. These consumer reporting agency scores do not take into account income, race, gender, religion, or marital status.

We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.

Specific Use of Credit and Consumer Information in Lease Guaranty and Security Deposit Bond

Lease Guaranty and Security Deposit Replacement products are Surety Bonds. They are supplemental guaranties that you are able to meet your obligations to the landlord or property owner of your leased unit and therefore have elements of a credit product based on your financial profile. For these reasons, additional information about your income, employment history, personal assets, and citizenship/visa status may be collected. The information we are collecting is necessary to verify information about you, and determine your eligibility and the correct premium to charge you for these products.

Because Lease Guaranty and Security Deposit Replacement Bonds are a type of contingent credit, your financial profile and creditworthiness are the primary factors in determining eligibility. The inquiry used for these products is a standard credit inquiry and may affect your credit score.

No information related to race, color, religion, actual or perceived gender (including gender identity), marital status, sexual orientation, disability, age, lawful occupation, presence of children, lawful source of income (including public assistance), or any other aspect of a protected federal, state or locally protected class is used to determine eligibility or calculation of premiums.