Overview
A notary bond protects the public against errors or misconduct by a commissioned notary public. Most states require it to obtain or renew a notary commission, so the bond gives members of the public a recovery path if a notarization is mishandled.
The required amount is set by the state and is usually modest, and the bond term typically matches the commission term (often four years). Because the amounts are small, underwriting is simple and the bond is quick to issue.
It is a surety bond that protects the public, not the notary. A notary who wants to protect themselves usually adds separate errors and omissions insurance.
Who needs this bond
Individuals seeking or renewing a notary public commission in states that require a bond (most do, with amounts varying widely).
Typical amount and term
Bond amount commonly 5,000 to 25,000 dollars. Premium 30 to 100 dollars for the full commission term (typically 4 years).
What this bond costs
Your premium is a small percentage of the bond amount, set by underwriting. The biggest drivers:
- The state-set bond amount
- The length of the commission term
- Whether errors and omissions coverage is added
| Scenario | Bond amount | Estimated premium |
|---|---|---|
| Lower state amount | $5,000 bond | around $30 to $50 for the term |
| Common state amount | $10,000 bond | around $50 for the term |
| Higher state amount | $25,000 bond | around $75 to $100 for the term |
Figures are illustrative premium ranges, not quotes or statutory amounts. Your rate depends on the bond amount your obligee requires and your underwriting profile.
What you will need
- Notary commission application
- Name and county of commission
How to apply
- Send commission details and term
- Receive an instant quote
- Bond issued and mailed for filing with the secretary of state
How a surety bond differs from insurance
A notary bond protects the public, not the notary. If the surety pays a claim, the notary repays it. Notaries who want to cover their own liability add errors and omissions insurance, which is a separate, optional purchase.
Frequently asked questions
Does a notary bond protect me?
No. It protects the public. If you want to cover your own liability for an honest mistake, add notary errors and omissions insurance, which is separate.
How much does a notary bond cost?
Because the amounts are modest, the bond is usually a low flat cost for the full commission term. The examples here are illustrative.
How long does the bond last?
Typically the length of your notary commission, often four years, after which it is renewed with your commission.
Is a notary bond required?
In most states, yes, as a condition of obtaining or renewing a commission. A few states do not require one.
More additional bonds
Reviewed by the Cornerstone Surety bond team. Last reviewed 2026-06-17.