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Bond Q&A

Where can I find best rates for Guardianship Bonds?

Guardianship bonds are issued by many different insurance carriers.  Most places you call will offer only one insurance carrier for bonds.  Some agencies who specialize in Probate and Surety Bonds could have multiple insurance carriers.  Each carrier has its own state-filed rates for a guardians bond.  Unlike other types of bonds, guardianship bonds are usually priced on a sliding scale of tiered rates per thousand in penalty.  Different rate schedules for bonds may apply based on specific guardianship court case characteristics.  For instance, if the bond is twice the value of the guardianship assets, it's often much less to purchase the guardian bond. 

For the best possible price, check with an agency that offers multiple carriers for guardianship bonds.  If you need an Ohio Guardianship Bond, Michigan Guardianship Bond, or Indiana Guardianship Bond, try Phil Pavarini at +1 888-728-2746.  Office in Cleveland, Ohio, Phil offers Guardianship Bonds for all 3 states, and has many carriers rate schedules to find the best place to apply for your Guardian Bond.  Online application is available.

POSTED SEPTEMBER 22, 2019 10:36 PM
Can you deliver my Guardianship Bond directly to court?

Court will require an original surety bond / guardianship bond that has been signed by the principal. Typically, since Ohio guardian bonds need an original signature, most probate bond companies will deliver bond directly to applicant.  We will occasionally mail guardian bond directly to attorney upon request, but it will still require the applicants original signature.  An attorney acting on someone else behalf, or other person with valid power of attorney or other legal document authorizing to act on someone else's behalf will not authorize signature on Ohio Guardianship bond - it must be an original signature by the applicant.

POSTED FEBRUARY 10, 2018 2:49 PM
Can I use ward's personal funds to pay for an Indiana or Ohio Guardianship Bond?

It's important to realize the significance of a bond. A Guardianship Bond protects the estate from malfeasance or misappropriation of assets.  Even if an expense is related to the guardianship, it may require court approval. Some expenses such as annual premium for a guardianship bond seem like obvious estate costs, but it's important to check with your attorney or the Court.

POSTED OCTOBER 30, 2017 10:33 AM
I keep getting bills for bond renewal, but case is closed.  How do I cancel the bond?

Civil Court Surety Bonds are unique and different from other bonds, or insurance, in many different ways.  One important distinction is that a probate bond, whether guardianship or estate, cannot be canceled without an order from the Court.

Yes, there are sometimes circumstances the principal, or the bonding company, would like to cancel a bond.  But that is not possible.  By law, only the Court can discharge, or cancel, a Surety Bond.  The insurance carrier is prohibited by law from canceling a probate bond until the Judge says it's okay.

Easy fix... once the case has concluded, judge will issue a 'FINAL ACCOUNTING' or other order that will usually contain language discharging bond.  It's often found at the very end of such order, almost unnoticed until you look for it.

Simple solution: Just email us the court order discharging bond, and we'll submit to carrier for pro-rated refund (after the first year).  First year premium is always fully earned upon issuance. 

POSTED JUNE 06, 2016 11:29 AM
I live outside of Ohio, in another state. Can you offer me an Ohio probate bond, for a case within Ohio?

YES!  Provided you meet other qualifications, residing outside of Ohio will not disqualify you from obtaining bond from our agency.  We often hear customers indicate other agents aren't able to help clients if they live out of Ohio.  We have direct access to multiple brokerages licensed in all 50 states.

POSTED FEBRUARY 17, 2016 1:07 PM
I need a professional license bond, or public official bond.  Can you help me?

Many insurance agents are like swiss army knives... they have an arsenal of tools ...ehhh insurance carriers... to help you find the right coverage.  But general insurance agents don't specialize in any particular field.  Since we write A LOT of bonds, more per week than many agents write in a year, our insurance practice offers any type of Civil Surety Bond you could think of, from multiple bond carriers.  YES - we issue both Ohio Professional License Bonds, and Ohio Public Official Bonds.

POSTED JANUARY 27, 2016 2:16 PM
I'm the court appointed guardian for 3 years, and I just paid the 4th annual bond renewal.  The ward just died.  Do I get a refund?

Typically speaking with most insurance companies issuing bonds, a pro-rated refund is provided effective date of court order releasing bond.

We often have requests from guardians asking to cancel a bond.  Once an Ohio probate court guardianship bond is issued, the insurance carrier - and the guardian - are on the hook until the court issues an order discharging bond.  Insurance carrier is prohibited from canceling bond until court orders discharged.  Unlike most other insurance and bonds, a principal cannot simply request the bond be terminated.  

Simple solution: Just email us the court order discharging bond, and we'll submit to carrier for pro-rated refund (after the first year).  First year premium is always fully earned upon issuance. 

POSTED JANUARY 15, 2016 1:22 PM
It's a simple estate and there aren't any funds. I do not have an attorney. Why can't I obtain a probate court bond?

​Although probate court matters may seem simple, and court personnel may accept filings directly from applicants, many intricacies are involved with any estate.

When an estate bond is issued, applicant is ultimately responsible for any liability, but insurance carrier issuing bond is initially responsible for claims against bond. Under certain circumstances, if estate administrator disburses money not pre-authorized by court, bond could be ordered to pay.  This is even if expense was incurred for benefit of estate, even if no malfeasance was intended.  Many other difficult estate issues may arise throughout the estate administration.  We highly recommend to obtain a qualified attorney.

While probate courts will accept filings without an attorney, insurance carriers issuing bonds generally require applicant to have an attorney.  An attorney is another layer of expertise to avoid liability from a bond.

POSTED NOVEMBER 24, 2015 11:49 AM
Where can I find an Ohio probate lawyer, how much does an Ohio probate attorney cost?

These questions are best answered by an Ohio attorney experienced in probate matters.  Phil Pavarini, leading Ohio probate bond agent, recommends contacting your local bar association for more information about finding, interviewing, and selecting an attorney.  While Pavarini is unable to recommend, upon request, a specific probate attorney, his firm can email list of attorneys who've handled probate in the past.  We do not recommend any specific attorneys.

POSTED OCTOBER 26, 2015 10:17 AM
Why do I need great credit to be approved for probate bond?  The court said it was no problem, just call any insurance agent!

by Phil Pavarini Jr. 

We often answer calls from frustrated consumers seeking a probate bond.  They've been muddling through the often cumbersome court process, being directed from office to office, desk to desk, scheduled for hearing after hearing, and paying fee after fee.  More than once a court has, almost whimsically, advised a probate bond applicant that 'it's no problem, just call any insurance agent!'... only to find agent after agent is unable to help them.

One of the first requirements of any probate bond is to have an attorney.  But bonds are based on the assumption their will be no risk for the insurance carrier to suffer any loss.  The probate bond could be thought of as the carrier being you're 'co-signor' for the value of the bond.  But if there's a loss, unlike insurance, the probate bond carrier would seek to recoup the loss from the applicant, the principal.


A less than perfect credit score, or history of failure to keep credit agreements, can indicate many things, but most often seems to be either financial irresponsibility or ignorance.  A habitual low credit score predicts someones future compliance with financial obligations.  Would you be co-signer for someone you didn't know who has already demonstrated financial irresponsibility or ignorance?


Our advice is first to seek the advice of an attorney.  An attorney would help you walk through the process, and it's the first barrier to obtaining a probate court bond.  If you're unable to be approved with one insurance carrier for probate bond due to credit issues, it's very likely none will approve.  There are other options, non-standard probate bond markets, but in our experience, it's easier and less costly to find an alternate applicant.  Some law firms may even offer to secure the bond and be the administrator, executor, themselves.

POSTED JULY 08, 2014 7:33 PM


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