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# Alter Surety

Florida Surety Bonds

## Sitemaps

- [XML Sitemap](https://altersurety.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Most Telling KPIs for Work in Progress](https://altersurety.com/kpis-for-work-in-progress/) - What does your Percentage of Completion data say about your company? Work in Progress (WIP) is what a construction company or contractor invests in delivering a completed project, including materials, labor and overhead throughout the process of construction and in all stages of a construction contract, right? Well, yes and no. Those are definitely components
- [It Ain’t Over ‘til it’s Over](https://altersurety.com/it-aint-over-till-its-over/) - What defines the completion of a contract for the purposes of legal action? Contractors have a better idea of when a contract is finished due to a change to Florida law. In June of this year, Governor Scott signed House Bill 377, which amended the statute that deals with limits for filing lawsuits related to
- [Bonding Companies Can Be Held Liable Under Reverse False Claims Act](https://altersurety.com/bonding-companies-can-be-held-liable-under-reverse-false-claims-act/) - If you’re involved with Federal construction projects and government set-aside programs like SDVOSB, know that your bonding company may ask a few more questions. On July 31, 2017, the U.S. District Court for the District of Columbia issued a ruling in a reverse False Claims Act case that says bonding companies can be held liable
- [What is a Surety Bond in Florida?](https://altersurety.com/what-is-a-surety-bond-in-florida/) - Establishing trust between multiple parties is an important goal for achieving success in any project or business dealing. Surety bonds in Florida, broadly speaking, are a solution to the age-old dilemma of not knowing whether or not the people you are interacting with are indeed trust-worthy professionals operating in good faith. Purchasing a surety bond
- [Paid If Paid Provisions – What Are They & What Should I Know?](https://altersurety.com/paid-if-paid-provisions-what-are-they-what-should-i-know/) - Understanding the 'Paid if Paid' Provision in Construction Contracts If you are a Contractor & are in privity of Contract with the General Contractor, you are most likely signing a Contract that includes a Paid If Paid Provision. This provision states that – payment won’t be due from a general contractor until and unless it
- [Considerations that may determine premiums on your next construction bond](https://altersurety.com/considerations-that-may-determine-premiums-on-your-next-construction-bond/) - Construction bonds are an integral part of any project owner or contractor’s risk management program. For most projects, the cost of a surety bond is a standard line item in the construction cost estimate. Premiums for construction bonds are calculated as a percentage of the bond value, and usually quoted in dollars per thousand: Bond Amount

## Pages

- [Home](https://altersurety.com/) - ALTER SURETY GROUP | SOUTH FLORIDA SURETY BOND SOLUTIONS EXPERIENCE THE ALTER ALTERNATIVE. With roots going back to 1991, Alter Surety Group, Inc. is a contract “surety only” agency primarily serving the construction industry. Our contract surety expertise ranges from the smallest to the largest contractors. We are a dedicated, customer driven agency with an
- [Contact](https://altersurety.com/contact/) - Contact Us CONTACT US We’re ready to lead you to the next level of bond capacity. Contact us to get started. Home Office 5979 NW 151st Street, Suite 202 Miami Lakes, FL 33014 (305) 517-3803 (305) 328-4838 info@altersurety.com Texas Office 13341 W. US Hwy 290 Bldg 2, Suite 237 Austin, TX 78737 305-517-3803 (305) 328-4838
- [Privacy Policy](https://altersurety.com/privacy-policy/) - Privacy Policy Effective Date: April, 10, 2024 Alter Surety (referred to as “we,” “us,” or “our”) operates the website altersurety.com and is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and protect personal information you provide when you visit our website. 1. Information We Collect Personal Information: We may collect information
- [Alter Surety Company](https://altersurety.com/alter-surety-company/) - Alter Surety Group Alter Surety was built from the ground up, starting in 1991. Alter Surety Group, Inc. is a well-recognized, local contract, “surety only” agency devoted to the needs of contractors and specializing in the construction industry. Surety is the only thing we do; therefore, we know the importance of providing SUPERIOR service. Read more.
- [Our Bond Team](https://altersurety.com/our-bond-team/) - Our Bond Team
- [Careers](https://altersurety.com/careers/) - Careers ABOUT ALTER SURETY GROUP ALTER SURETY GROUP is a premier commercial insurance agency specializing in a niche product called Surety Bonds. We are a well-recognized, rapidly growing agency and are currently looking to add valued team members in the positions below. ASG sets ourselves apart by specializing in BONDS ONLY and we devote ourselves to
- [About Us](https://altersurety.com/about-us/) - About Us Alter Surety Group, Inc. is a well-recognized contract “surety only” agency devoted to the needs of contractors of all trades and disciplines. Specializing in the Construction Industry, our contract surety expertise ranges from the smallest to the largest contractors. With our roots going back to 1991, we are a dedicated, customer driven agency
- [The Top 5](https://altersurety.com/the-top-5/) - Top 5 Reasons to Choose Alter Surety Group 1 YOU WON’T GET LOST IN THE SHUFFLE We’re a “boutique” agency, therefore we’re able to offer a more intimate surety relationship for our clients. We get to know every aspect of our client’s business and make sure to fit them with the surety company that is
- [Insights](https://altersurety.com/insights/) - Insights and Information
- [Forms](https://altersurety.com/forms/) - FORMS Information Needed to Properly Market Your Bond Line We’re ready to help maximize your bond line and assist you with all of your bonding needs. By submitting the following information, we will have the basic information necessary to evaluate your credit potential and properly market your bonding program. If you have any questions, please
- [FAQ](https://altersurety.com/faq/) - FAQ’s We value your questions. Explore the menu below for answers to frequently asked questions about surety bonds and the process for obtaining a surety bond. If you can’t find your answers, feel free to contact us. What is a Surety Bond? There are many different types of surety bonds, but the two general categories are
- [Bonds](https://altersurety.com/bonds/) - Information On Bond Types At Alter Surety Group, our expertise covers a wide variety of surety bond types. Select a bond type from the gallery below to learn more about the most common types of surety bonds we service, including: Bid Bonds, Completion Bonds, Fidelity Bonds, Financially Responsible Officer (FRO) Bonds, Judicial and Court Bonds,
- [Links](https://altersurety.com/links/) - HELPFUL LINKS Florida Statutes: 255.05 Public Construction Payment Bond 713.23 Private Work Construction Payment Bond 713.245 Private Work Construction Conditional Payment Bond Other Links: Associated General Contractors of America South Florida Chapter Department of the Treasury’s Listing of Approved Sureties (Department Circular 570) Associated Builders and Contractors Latin Builders Association Surety Information Office Florida Surety

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## Bonds

- [Supply Bonds](https://altersurety.com/bond/supply-bonds/) - What is a Supply Bond? Supply bonds are commercial contract bonds involving the delivery of goods. They guarantee faithful performance of a contract to furnish supplies or materials and exclude any labor or installation. If a supplier defaults, the surety indemnifies the purchaser of the supplies for the loss. For instance, should a vendor fail
- [Bid Bonds](https://altersurety.com/bond/bid-bonds/) - What is a Bid Bond? A Bid Bond guarantees the owner that the principal will honor its bid and will sign all contract documentsif awarded the contract. Additionally, if performance & payment bonds are required by the obligee, itpromises that the surety will write these bonds. The owner is the obligee and may sue the
- [Completion Bonds](https://altersurety.com/bond/completion-bonds/) - What is a Completion Bond? A Completion Bond is a surety bond posted by a contractor or developer to guarantee that a particular project will be completed according to plans and specifications, on time, and without any liens incurred as a result of unpaid bills to subcontractors and suppliers. It provides more coverage than a
- [Fidelity Bonds](https://altersurety.com/bond/fidelity-bonds/) - What is a Fidelity Bond? A Fidelity Bond – known as a dishonesty bond or business services bond – protects the business owner from the theft of customer’s property by employees. Also it offers assurances to a business for losses caused by the dishonest acts of its employees. What are the requirements for completing a
- [Financially Responsible Officer (FRO) Bonds](https://altersurety.com/bond/financially-responsible-officer-fro-bonds/) - Florida Financially Responsible Officer Bond – (also FRO Bond) is necessary by the Florida Construction Industry Licensing Board (CILB) when the Financially Responsible Officer takes on the financial responsibility and is accountable for all financial aspects of the business organization and is not designated as the Primary Qualifying Agent. This surety bond certifies that the
- [Judicial and Court Bonds](https://altersurety.com/bond/judicial-and-court-bonds/) - In a civil proceeding, bonds are often required by the court, as they protect those involved in the proceedings and guarantee the bonded parties – either the plaintiff or defendant or both – will take action. Certain legislation, along with the court’s ruling, typically set the required dollar amount of these bonds. Court Bonds can
- [Labor and Materials Payment  Bonds](https://altersurety.com/bond/labor-and-materials-payment-bonds/) - What is a Payment Bond? A Payment Bond guarantees the owner that subcontractors and suppliers will be paid the monies that they are due from the principal. The owner is the obligee; the “beneficiaries” of the bond are the subcontractors and suppliers. Both the obligee and the beneficiaries may sue on the bond. An owner
- [License and Permit Bonds](https://altersurety.com/bond/license-and-permit-bonds/) - License and permit bonds, also known more simply as “license bonds” or “permit bonds”, are a certain type of commercial bonding. Government agencies require business owners in specific industries to purchase these bonds before they can be legally licensed. They defend consumers by assuring businesses adhere to laws and other regulations enforced by federal, state
- [Lien Transfer Bonds](https://altersurety.com/bond/lien-transfer-bonds/) - What is a Lien Transfer Bond? A Lien Transfer Bond discharges a lien from the property and replaces it with a bond to guarantee satisfaction if the court upholds the lien’s merit. When a construction lien is recorded, the lien can be transferred to a lien transfer bond (thereby removing the encumbrance or cloud on
- [Maintenance Bonds](https://altersurety.com/bond/maintenance-bonds/) - What is a Maintenance Bond? A type of surety bond purchased by a contractor that protects the owner of a completed construction project for a specified time period against defects and faults in materials and workmanship that could arise later if the project was done incorrectly. A maintenance bond is not technically insurance, but basically
- [Performance Bonds](https://altersurety.com/bond/performance-bonds/) - What is a Performance Bond? A Performance Bond guarantees the owner that the principal will complete the contract according to its terms including price and time. The owner is the obligee of a performance bond, and may sue the principal and the surety on the bond. If the principal defaults, or is terminated for default
- [Subdivision Bonds](https://altersurety.com/bond/subdivision-bonds/) - What is a Subdivision Bond? A Subdivision Bond is an obligation in favor of a municipality, county or state government as the Obligee on behalf of the Developer or General Contractor acting as the Principal. The Subdivision Bond indemnifies the Obligee against the builder’s failure to install on and off site improvements that the local

## Our People

- [Joe Schwartz](https://altersurety.com/our-people/joe-schwartz/) - Joe joined ALTER SURETY in 2021 and quickly earned a reputation as the team’s “young gun.” A proud graduate of the University of Florida’s Heavener School of Business, he holds a degree in Finance and brings a fresh, energetic perspective to the surety industry. With deep family roots in South Florida’s construction sector, Joe offers
- [Lynn Dowling](https://altersurety.com/our-people/lynn-dowling/) - Lynn Dowling joined our team in 2018 and has been instrumental in elevating our operations to new heights. With a strong foundation in Office Administration, Accounting, IT Management, and Customer Service, she brings a well-rounded and strategic approach to managing day-to-day operations. Lynn is known for effectively collaborating with clients, employees, managers, and vendors, ensuring
- [Warren Alter](https://altersurety.com/our-people/warren-alter/) - Warren Alter is the Founder and President of Alter Surety Group, Inc., and has spent more than 30 years building a solid reputation as a leading Surety Bond expert. Throughout his career, Warren has earned widespread respect as a dedicated professional, serving the surety needs of hundreds of contractors throughout the Florida marketplace. His passion,
- [Josh Alter](https://altersurety.com/our-people/josh-alter/) - Josh joined the Alter Surety team in 2024 after gaining a strong background in client relations and strategic planning as a fully licensed financial advisor. He graduated from Florida State University in 2020 with a double major in Finance and Sports Management. Josh recently added the General Lines Property & Casualty license to his list of certifications
- [Cole Pschunder](https://altersurety.com/our-people/cole-pschunder/) - Cole Pschunder comes to Alter Surety Group with experience as an underwriter with a top two global surety company. From his underwriting experience, Cole has a deep understanding of financial analysis as well as specific concepts that sureties look for in order to approve bond requests. Cole received his bachelor’s degree in economics from Rutgers
- [Matthew Palacio](https://altersurety.com/our-people/matthew-palacio/) - Matthew Palacio is the newest member of Alter Surety Group as a Surety Bond Producer. Joining the team in 2023, Matthew comes with a strong background in Sales and Client Relations. With this expertise and proficiency, he is extremely efficient in carrying out our mission to provide professional surety bond solutions that exceed our clients’
- [Russ Stampler](https://altersurety.com/our-people/russ-stampler/) - With over 25 years of experience in Accounting, Finance and Sales, Russ Stampler is a perfect fit for Alter Surety Group as a Surety Bond Producer. His deep understanding of accounting along with his philosophy of always going the extra mile for his clients should be two of the biggest keys to his success in
- [Jonathan Bursevich](https://altersurety.com/our-people/jonathan-bursevich/) - Jonathan Bursevich has been with Alter Surety Group as a Surety Bond Producer since 2014 and his impact has been immense. With a background in Accounting and Finance,… he has a deep understanding of what it takes to elevate contractors to the next level with a commitment to each client’s continued success. After graduating from
- [David Satine](https://altersurety.com/our-people/david-satine/) - David Satine holds the position as Chief Operating Officer for Alter Surety Group, Inc. In late 2009, David partnered with Warren Alter, a childhood friend, and together they founded ASG. Through hard work, determination and “a never take no for an answer” mentality, David has developed a diverse clientele which includes general contractors, subcontractors, and
- [Patricia Skelton](https://altersurety.com/our-people/patricia-skelton/) - Patricia joined our team in August 2023 as Client Relations Manager in our Austin, Texas office. She has a background in the mortgage industry and has extensive knowledge of the mortgage process. Prior to her time in the mortgage industry, she worked as a substitute teacher at an all-girl’s K-8 school and an investment reporting
- [Doreen Shearin](https://altersurety.com/our-people/doreen-shearin/) - Doreen Shearin joined Alter Surety Group, Inc. in late 2012 as a Client Relations Manager. She began her surety career as an underwriter at Amwest Surety Insurance in 1993. From 2001 to 2011, Doreen was with Insco Dico Group as a Senior Underwriting Assistant. Her expertise ranges from preliminary underwriting and analyzing bid results to
- [Sherrin Martinez](https://altersurety.com/our-people/sherrin-martinez/) - Sherrin is a proud graduate of Rutgers University with a BA in Communications. With a diverse background, she started her career in New York City as the Director of Operations for VH1, where she worked for 11 years. Later, she decided to switch gears and become a real estate agent in New Jersey to balance
- [Lisette Calderon](https://altersurety.com/our-people/lisette-calderon/) - Lisette Calderon, a versatile professional whose diverse career has seen her traverse the realms of education and insurance with grace. Lisette’s journey began in the field of education, where she earned accolades for her dedication and innovative teaching methods. In a strategic move two years ago, Lisette obtained her insurance license, marking the beginning of
- [Dawn Auspitz](https://altersurety.com/our-people/dawn-auspitz/) - Dawn Auspitz has been with Alter Surety Group, since its inception in late 2009. She currently holds the position of Director of Client Relations and is an invaluable member of the ASG team. Dawn initially worked with Warren Alter for 3 years in the mid 90’s before having her first child and was instrumental in
- [Jill Alter](https://altersurety.com/our-people/jill-alter/) - Jill Alter is the Director of Marketing and Business Relations for Alter Surety Group, Inc. and has held this position since the company’s inception. She brings a wide variety of experience with one common denominator…BUILDING RELATIONSHIPS! With her passionate and energetic personality, she thrives on making introductions and cultivating relationships. After earning a Bachelor’s degree
- [Lily Rafford](https://altersurety.com/our-people/lily-rafford/) - Lily Rafford is a highly valued member of the Alter Surety Group team. She currently holds the position of Client Relations Manager, where she provides exceptional support to the team and ensures that clients receive the best possible care. Lily started her career in the surety industry back in 2016 with a surety agency located

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