What is Notary Public Bond?
A Notary Public Bond is a type of surety bond that protects the public from mistakes or misconduct by a notary. It guarantees that the notary will perform their duties ethically and in compliance with state laws. If a notary causes financial harm through negligence or fraud, the bond can provide compensation to the affected party.
Who needs it
Notary Public Bonds are typically required by state law for individuals applying to become a commissioned notary. This includes independent notaries, mobile notary providers, and administrative professionals offering notarization services through legal offices, title companies, or financial institutions. Even notaries working part-time or as volunteers for local organizations may need this bond.
What it typically covers
A Notary Public Bond generally covers:
- Financial damages caused by improper notarization
- Acts of negligence or misconduct while performing notarial duties
- Failure to verify identification or follow required procedures
For example, if a notary improperly witnesses a signature that leads to a fraudulent transaction, the bond could be used to compensate the injured party.
Common exclusions or limitations
Notary bonds do not protect the notary themselves. They protect the public. The notary remains personally liable for repaying any claims paid out on the bond. Additionally, the bond does not cover criminal acts committed intentionally, or losses unrelated to notarial duties.
Factors that influence cost
The cost of a Notary Public Bond can vary based on:
- State requirements and bond amount
- Length of the notary’s commission term
- Underwriting factors such as credit history (in some cases)
Most states have specific bond amounts (e.g., $5,000 or $10,000), which directly influence the premium.
Proof of insurance & compliance
Once purchased, the bond must often be filed with a state agency or notary commissioning office as proof of compliance. In many states, you cannot begin notarizing documents until your bond is approved and on file. Some notaries also choose to purchase additional Errors & Omissions (E&O) coverage to further protect themselves.
How to get a quote
You can easily request a quote online through licensed bond providers. The process is typically fast and may not require a credit check depending on the state. To get started, visit our quote request page.
For those operating in industries with broader liability exposures—such as vehicle dealerships or construction contractors—additional surety or license bonds may be required. Learn more about specific options like the Motor Vehicle Dealer Bond Program or browse our page on License Bonds for other industry-specific solutions.
Frequently Asked Questions
Is a Notary Public Bond the same as insurance?No. A notary bond protects the public, not the notary. The notary is responsible for repaying any claims made against the bond. Do all states require a Notary Public Bond?No. Requirements vary by state. Some states mandate notary bonds, while others do not. Can I get a bond and start notarizing documents the same day?In many cases, yes—depending on your state’s filing process. However, always confirm with your state office before performing notarial acts. What happens if someone files a claim against my bond?If a claim is approved, the surety company will pay the claimant up to the bond amount. You must then reimburse the surety. Do I need Errors & Omissions insurance in addition to a bond?It’s optional but recommended. E&O coverage protects you personally from legal costs and damages not covered by the bond.
Still have questions? Talk to a local insurance expert.
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