The Role of Notary Bonds in Protecting Public Interests
Already a notary? Our self-paced online courses help you expand your services and grow your income. Browse courses →
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 fewer than half the 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 | $50,000 since February 1, 2026 (Act 258 of 2025); surety bonds renew every 5 years |
| Pennsylvania | $10,000 |
States that do not require a bond include Colorado, Connecticut, Georgia, Massachusetts, Minnesota, New Jersey, New York, North Carolina, South Dakota (bond eliminated July 1, 2025), Texas, and others. Arizona ($5,000), Hawaii ($1,000), and Michigan ($10,000) are often mislisted as bond-free but do require one. 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 pays the injured party, and then you reimburse the surety in full, legal fees included. E&O insurance is what shields your own finances.
How much does a notary bond cost?
$50 to $100 for a full commission term, typically four years, varying with 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, at a somewhat higher premium. Several sureties specialize in poor-credit bonds, and the difference is usually modest.
Which states require the biggest notary bonds?
Louisiana now tops the list at $50,000 (Act 258 of 2025, effective February 1, 2026, with sureties renewing every five years). Michigan, Nevada, and Washington sit at $10,000, and Pennsylvania requires $10,000 under RULONA. Check your Secretary of State for the current figure.
Updated October 2026. Bond amounts verified against state statutes and Secretary of State sources; Louisiana at $50,000 per Act 258 of 2025, effective February 1, 2026.
