M. Gary Francis


Gary has four decades of bonding experience and half of them have been here at Guignard Company. This wealth of experience gives him a comprehensive understanding of the industry and an unparalleled commitment to client service.

After serving four years in the U.S. Navy and finishing his education at Penn College, Gary began his career in the bonding industry at Penn National, assisting in bond production in Pittsburgh and the Northeast Region.  In 1977 Gary relocated to Orlando, FL and joined Ohio Casualty Insurance Company where he was responsible for developing bond business throughout the state of Florida. Working directly with contractors from smaller start-ups to multi-million- dollar organizations allowed him to obtain critical knowledge in a range of subjects, from assisting contractors in structuring their companies to meeting the demanding requirements of the surety industry.  Since joining Guignard, Gary has put his extensive surety knowledge and industry connections to work for his clients, helping them establish lines of credit with the right surety for their project.

Gary believes that every contractor will be successful in obtaining a bonding program contributing to their success if they associate themselves with a Professional Bonding Agency and Bond Specialist.

When not drumming up new business, Gary enjoys saltwater fishing and spending time with his grandchildren, and continued support of AHEPA.


  • Cornell University, Economic for Business, Sales
  • Dun & Bradstreet, Credit & Financial Analysis 1 & 2
  • Penn College, AA, Business Management
  • University of Pittsburgh, Industry Related Accounting

Licenses and Designations:

  • State of Florida 220 License

Professional Affiliations:

  • AHEPA International
  • National Association of Surety Bond Producers