Terms and Conditions
Any person who knowingly and with the intent to defraud any insurance company or other person files an application containing any materially false information, or conceals information for the purpose of misleading concerning any fact material thereto, commits a fraudulent insurance act. Such act is a crime under applicable law.
The applicants and indemnitors certify that all statements contained in the application are true, correct, and complete to the best of their knowledge.
By submitting this application, you authorize Zach Ryan Surety LLC to provide the information submitted by you to the surety companies represented by Zach Ryan Surety LLC, as well as to any additional surety companies, insurance carriers, or insurance intermediaries necessary to complete your application for surety bond(s) and/or insurance.
You further authorize Zach Ryan Surety LLC, the surety companies it represents, and any additional surety companies, insurance carriers, or intermediaries involved in the underwriting process to obtain from one or more credit bureaus or reporting agencies your consumer and/or commercial credit report, including any ancillary credit scores or ratings, and to verify your credit history, employment history, financial information, and other relevant underwriting information.
Fraud Notice Statements
ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE 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 SUBJECTS THAT PERSON TO CRIMINAL AND CIVIL PENALTIES.(In Oregon, the aforementioned actions may constitute a fraudulent insurance act which may be a crime and may subject the person to penalties.) (In New York, the civil penalty shall not exceed five thousand dollars ($5,000) and the stated value of the claim for each such violation.) (NOT APPLICABLE IN AL, AR, AZ, CA, CO, DC, FL, KS, LA, ME, MD, MN, NM, OK, RI, TN, VA, VT, WA AND WV).
Applicable in Alabama, Arkansas, Arizona, District of Columbia, Louisiana, Maryland, New Mexico, Rhode Island, and West Virginia
ANY PERSON WHO KNOWINGLY (OR WILLFULLY IN MARYLAND) PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY (OR WILLFULLY IN MARYLAND) PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES OR CONFINEMENT IN PRISON.
Applicable in California
ANY PERSON WHO KNOWINGLY PRESENTS FALSE OR FRAUDULENT INFORMATION TO OBTAIN OR AMEND INSURANCE COVERAGE OR TO MAKE A CLAIM FOR PAYMENT OF A LOSS IS GUILTY OF A CRIME AND MAY BE SUBJECT TO FINES AND CONFINEMENT IN STATE PRISON.
Applicable in 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 WHO KNOWINGLY PROVIDES FALSE, INCOMPLETE, OR MISLEADING FACTS OR INFORMATION TO A POLICYHOLDER OR CLAIMANT FOR THE PURPOSE OF DEFRAUDING OR ATTEMPTING TO DEFRAUD SHALL BE REPORTED TO THE COLORADO DIVISION OF INSURANCE WITHIN THE DEPARTMENT OF REGULATORY AGENCIES.
Applicable in Florida and Oklahoma
ANY PERSON WHO KNOWINGLY AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE ANY INSURER FILES A STATEMENT OF CLAIM OR APPLICATION CONTAINING FALSE, INCOMPLETE, OR MISLEADING INFORMATION IS GUILTY OF A FELONY (IN FLORIDA, A FELONY OF THE THIRD DEGREE).
Applicable in Kansas
ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD PRESENTS OR PREPARES WITH KNOWLEDGE THAT IT WILL BE PRESENTED TO AN INSURER, BROKER, OR AGENT ANY WRITTEN OR ELECTRONIC COMMUNICATION IN SUPPORT OF AN APPLICATION OR CLAIM THAT CONTAINS MATERIALLY FALSE INFORMATION OR CONCEALS MATERIAL FACTS FOR THE PURPOSE OF MISLEADING.
Applicable in Maine, Tennessee, Virginia, and 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.