Notary Bond Guide
Notaries public serve as gatekeepers of trust in transactions large and small. A notary bond or notary public bond is a surety guarantee that the notary will follow the law, perform duties with honesty, and protect the public from fraud or misconduct.
What Is a Notary Bond?
A notary bond is a type of license and permit bond required by most states before a person can be commissioned as a notary public. It is not insurance for the notary — it is a guarantee to the public and the state that the notary will perform their duties honestly, accurately, and in compliance with state notary laws.
If a notary commits fraud, negligence, or a procedural error that causes financial harm to someone relying on their notarization, the injured party can file a claim against the bond. The surety company pays the claim up to the bond amount, and the notary is then responsible for reimbursing the surety.
Because notaries handle high-stakes documents — real estate closings, powers of attorney, affidavits, loan documents — states require this bond to ensure there is financial recourse if something goes wrong.
Why Notaries Are Required to Carry This Bond
Three reasons states mandate notary bonds before commissioning.
Protects the Public From Notary Errors
If a notary improperly notarizes a document, fails to verify identity correctly, or makes a procedural mistake that causes financial loss, the affected party has a financial remedy through the bond.
Required for State Commissioning
Nearly every state requires proof of a notary bond as part of the application or renewal process before issuing a notary commission. Without it, you cannot legally perform notarial acts.
Builds Trust With Clients and Employers
Being bonded signals to employers, title companies, and clients that you are a legitimate, state-compliant notary — which is often a requirement for notary jobs in real estate, legal, and financial industries.
How to Get Your Notary Bond
A simple, fast process to get commissioned.
Check Your State's Bond Requirement
Bond amounts vary by state — typically ranging from $1,000 to $25,000 depending on your state's notary laws.
Apply for Your Bond
Complete a simple application with your name and state requirement. Most notary bonds do not require a credit check due to their low risk and low cost.
Receive Your Bond Certificate
Once issued, you'll receive your bond certificate to submit with your notary commission application to your state.
Typical Notary Bond Amounts by State
Bond requirements vary — here are common examples.
Credit checks are rarely required, and premiums are based on bond amount and state — not credit history.
Notary Bond FAQ
Is a notary bond the same as notary insurance?
No. A notary bond protects the public and is paid back by the notary if a claim occurs. Notary errors and omissions (E&O) insurance protects the notary themselves from having to pay out of pocket. Many notaries carry both.
How much does a notary bond cost?
Cost depends on your state's required bond amount and term length, but notary bonds are generally inexpensive due to their low risk profile.
Do I need a notary bond in every state?
Most states require one, though requirements and amounts vary. Some states do not require a bond at all — check your specific state's notary commissioning requirements.
What happens if a claim is filed against my bond?
The surety company pays the claim up to the bond amount, then the notary is responsible for reimbursing the surety for the amount paid.
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