In plain English
The bond is for the benefit of the public. If a claim is paid, the bond holder may have to repay the surety.
Not every state requires one, and the amount varies.
Before you buy, compare what your state demands with what a client or hiring company may ask for on top of it, and keep the paperwork with your commission records.
Why it matters
Where a state requires a bond, a notary cannot be commissioned without one. Mistaking a bond for personal protection is common and can be costly, because a claim paid by the surety may come back to the notary.
For the public, the bond offers a route to compensation if a notary's misconduct causes harm.
Worked example
She buys a bond for her commission term, as her state requires, before taking her oath.
What to do
- Check whether your state requires a bond and how much.
- Buy it from a surety licensed in your state.
- File it as your commissioning office instructs, if required.
- Keep a copy with your commission papers.
- Renew it alongside your commission.
Common mistakes
- Thinking the bond covers your own losses can leave you uninsured for errors.
- Filing late can delay your commission or oath of office.
- Letting the bond expire while still notarizing can put the commission at risk.
Not the same as: Errors and omissions (E&O) insurance
A bond is for the public's protection and may need to be repaid by the notary, while E&O is insurance that can pay claims on the notary's behalf. See Errors and omissions (E&O) insurance.
Go deeper
- Notary Bond vs Errors and Omissions Insurance: These two products are often confused. Learn what a notary bond protects, what E&O insurance protects, what neither covers, and how to choose coverage sensibly.
Related terms
- Notary journal: A bound or electronic record of each notarial act the notary performs.
- Notary scam: A fake job or check scheme that targets notaries and signing agents.
- Notarial fee: The amount a notary may charge for a notarial act, set by state law.
Common questions
What is a notary bond?
A surety bond some states require a notary to hold to protect the public from misconduct.
Can you give an example of notary bond?
She buys a bond for her commission term, as her state requires, before taking her oath.
Does New Jersey require a notary bond?
Rules can change. Check the current requirements with the New Jersey State Treasurer's notary office.
Who gets paid if a bond claim succeeds?
The harmed party is paid by the surety, which may then seek repayment from the notary.
General information, not legal advice. Rules vary by state and change; check with your state's commissioning office.