In the realm of legal documentation and transactions, notaries play a crucial role in ensuring the authenticity and integrity of important paperwork. To further fortify this responsibility, notaries are often required to obtain a notary bond. This additional layer of protection is essential for both notaries and the individuals relying on their services. In this blog post, we will explore why a notary needs a bond and what these bonds cover.

Understanding Notary Bonds:

A notary bond, also known as a surety bond, is a form of insurance that notaries obtain to protect the public from any potential errors or misconduct in the notarization process. It acts as a financial guarantee that ensures compensation in case the notary fails to fulfill their duties correctly.

Reasons for Notary Bonds:

Notary bonds serve as a safeguard against fraudulent activities or misconduct by notaries. The financial repercussions of a bond provide a strong incentive for notaries to adhere strictly to legal and ethical standards in their work.

Clients who rely on notarial services trust that the documents they are signing are legitimate and will be recognized by legal authorities. A notary bond provides financial protection for clients who may suffer losses due to the notary’s mistakes or wrongful actions.

Many states require notaries to be bonded as part of the licensing process. This regulatory measure ensures that notaries are accountable for their actions, promoting a higher level of professionalism and responsibility within the profession.

What Notary Bonds Cover:

In cases where a notary engages in fraudulent activities or willfully disregards ethical standards, the bond provides coverage for the damages incurred by those affected. This helps to ensure that the notary is held accountable for any intentional wrongdoing. Notary bonds typically cover legal fees and damages up to the bond amount, offering a layer of financial protection for both the notary and the clients involved in a transaction gone wrong.

Errors and Omissions (E&O) Coverage:

Our Notary bonds through Propellor include optional Errors and Omissions coverage endorsements, which protects against unintentional mistakes made by the notary during the notarization process. This coverage can include documentation errors, omissions, or other oversights that may occur. These policies are purchased as a rider to the bond with a 6 yr term. Giving our clients providing typical notarization services, a low-cost option to protect against simple mistakes that anyone could fall victim too. Are you offering Loan signature notarization services? We have additional carriers offering E&O, also known as, Professional Liability coverage up to $1 Million in coverage through some of our other carrier relationships.


In the world of legal transactions, notary bonds serve as a crucial tool to protect the interests of the public and maintain the integrity of the notarial process. By requiring notaries to obtain bonds, regulatory bodies ensure that these professionals adhere to the highest standards of ethics and professionalism. The financial safety net provided by notary bonds acts as a reassurance for clients, promoting trust and confidence in the vital role that notaries play in legal documentation.

Michael Vereecke

Agent/President, Customers First Insurance Group