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Notary bond: what it is, what it costs, and how to get one

Updated 2026-05-01 ✓ Reviewed for accuracy FounderIgnite Editorial

Before most states will commission you as a notary public, you need a surety bond on file. It's one of the first steps in the notary application process — and it's faster and cheaper to get than most people expect.

Short version: A notary bond costs $50–$100 for a 4-year term in most states. It protects the public from your mistakes — not you personally. For that, you need E&O insurance (separate). Most bonds can be issued online the same day.

What a notary bond covers (and what it doesn't)

A notary bond protects your clients and the public — not you:

What it doesn't cover: Your own legal defense costs and personal financial liability. If a claim is made against your bond and the surety pays, they will then seek repayment from you. For your own protection, you need notary E&O insurance.

Get your notary bond today

Same-day issuance. Most notaries pay $50–$100 for a 4-year bond.

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Notary bond requirements by state (common states)

StateBond amount requiredTerm
California$15,0004 years
Texas$10,0004 years
Florida$7,5004 years
New YorkNot required (E&O recommended)—
Arizona$5,0004 years
Nevada$10,0004 years
Colorado$10,0004 years
IllinoisNot required (E&O recommended)—

Requirements vary and change — always verify with your state's Secretary of State or notary division before applying.

Notary bond vs. E&O insurance — you need both

Notary BondE&O Insurance
ProtectsYour clients / the publicYou (the notary)
Required byState commissionProfessional best practice
Typical cost$50–$100 / 4 years$65–$200/year
If claim is paidYou must repay the suretyInsurer pays; you don't repay
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Also read: Notary E&O insurance — why you need it and what it covers

Frequently asked questions

What is a notary bond?
A notary bond (also called a notary surety bond) is a financial guarantee required by most states before a notary public can be commissioned. It protects the public from financial losses caused by a notary's mistakes, negligence, or misconduct. If a valid claim is made, the surety pays the claimant — and the notary must repay the surety.
How much does a notary bond cost?
Notary bonds are typically very affordable: $50–$100 for a 4-year bond in most states. Some states require higher bond amounts for certain notary types (especially notary signing agents), but the annual cost remains low. The premium is a small percentage of the bond amount.
Is a notary bond the same as notary insurance?
No — these are very different. A notary bond protects the PUBLIC from your mistakes. Notary E&O (errors & omissions) insurance protects YOU from the cost of defending yourself and paying damages when a client claims your notarization caused them harm. You need both for full protection.
How long does it take to get a notary bond?
With online providers, same-day issuance is typical. You apply online, pay the premium, and receive your bond certificate immediately. Most state applications require the bond to be in hand when you submit your notary commission application.
What states require a notary bond?
Most states require notary bonds. The required bond amount varies: California requires a $15,000 bond, Florida requires $7,500, Texas requires $10,000, and many states require $5,000–$10,000. Check your state's notary division website for your specific requirement.

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Disclaimer: This guide is for informational purposes only and is not legal, tax, or insurance advice. Coverage availability and pricing vary by state and applicant. Always verify requirements with your state licensing board and confirm policy terms directly with your carrier before relying on this information.