The Role of Notary Bonds in Protecting Public Interests
Published July 17, 2024 · Updated May 21, 2026
A notary bond is a financial guarantee that protects the public if a notary makes a mistake or commits fraud. If you are applying for a notary commission in a state that requires a bond, you need to purchase one before you can start notarizing. Here is what the bond covers, what it does not cover, and what you will pay.
How a Notary Bond Works
A notary bond involves three parties:
- The notary (principal): you, the person who buys the bond.
- The surety company: the company that issues the bond and backs it financially.
- The state or public (obligee): the people protected by the bond.
If a notary’s error or misconduct causes someone a financial loss, the injured party can file a claim against the bond. The surety company pays the claim, but then the notary must reimburse the surety. The bond does not protect you. It protects the public from you.
Bond vs E&O Insurance
People often confuse notary bonds with errors and omissions (E&O) insurance. They serve different purposes:
| Notary Bond | E&O Insurance | |
|---|---|---|
| Who it protects | The public | The notary |
| What it covers | Fraud, misconduct, negligence | Honest mistakes and errors |
| Do you repay claims? | Yes. The surety pays first, then you reimburse them. | No. The insurance covers it. |
| Required by law? | Required in about 30 states | Not required in any state (but recommended) |
| Typical cost | $50–$100 for a 4-year term | $30–$100 per year |
If you want protection for yourself, buy E&O insurance. The bond protects other people from you. E&O protects you from your own mistakes.
State Bond Requirements
Not every state requires a notary bond. States that do require one set their own bond amount. Here are some examples:
| State | Bond Amount |
|---|---|
| Alabama | $50,000 |
| California | $15,000 |
| Florida | $7,500 |
| Illinois | $5,000 |
| Louisiana | $10,000 (for notaries who are not attorneys) |
| Pennsylvania | $10,000 |
| Texas | $10,000 |
States that do not require a bond include Arizona, Colorado, Connecticut, Georgia, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, and others. Check your Secretary of State’s website for the current requirement.
How to Get a Notary Bond
- Complete your state’s notary application (including any required training or exam).
- Purchase a bond from a licensed surety company. You can find these online or through notary supply companies.
- File the bond with your state (some states require filing with the county clerk instead).
- Receive your commission and start notarizing.
The bond is typically valid for your full commission term (usually 4 years). When you renew your commission, you buy a new bond.
What Happens if a Claim Is Filed
- Someone files a claim against your bond, alleging that your notarial act caused them financial harm.
- The surety company investigates the claim.
- If the claim is valid, the surety pays the injured party up to the bond amount.
- You must reimburse the surety for the full amount paid out, plus any legal fees the surety incurred.
If you have E&O insurance, it may cover your reimbursement obligation. This is why carrying both a bond and E&O insurance is a good idea.
Frequently Asked Questions
Does a notary bond protect me from lawsuits?
No. The bond protects the public. If someone sues you for a notarial error, the bond pays them, not you. You then have to reimburse the surety. E&O insurance is what protects you from the financial impact of lawsuits.
How much does a notary bond cost?
Typically $50 to $100 for a full 4-year term, depending on the bond amount and your credit. It is a one-time purchase, not an annual premium.
Can I get a notary bond with bad credit?
Yes, but you may pay a higher premium. Some surety companies specialize in bonds for people with poor credit. The cost difference is usually modest.
Related Reading
Updated May 2026.
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