Becoming a notary public in California or renewing an existing commission involves more than passing a test and paying a fee. The notary bond is a central legal and financial protection required by the California Secretary of State. This article breaks down what California notary bonds are, why they matter, how much they cost, how to get one, and how to reduce the chance of claims. It also explains related protections such as errors and omissions insurance and offers practical examples to help notaries and employers understand their responsibilities.

It’s important to understand the limitations and scope of the bond. The bond covers compensatory payments to third parties for proven financial losses caused by the notary’s wrongful acts or negligence, but it does not shield the notary from disciplinary action by the Secretary of State, criminal prosecution, or civil penalties; those remain separate processes. Additionally, the bond amount is a fixed statutory figure and may not fully reimburse victims in every case—if damages exceed the bond, claimants may pursue the notary personally for the remainder. The bond also does not replace the notary’s need for careful recordkeeping, adherence to identification and certificate procedures, or (where appropriate) supplemental protections like errors and omissions (E&O) insurance, which can cover defense costs and damages beyond the bond limit.

Claims against the bond are handled through a set administrative and legal procedures: an injured party typically files a claim with the surety, which investigates and determines whether the claim falls within the bond’s coverage. If the surety pays a valid claim, it will seek reimbursement from the notary (known as indemnification), and unresolved claims can lead to civil litigation. Notaries must also be mindful of renewal and filing requirements: the bond is filed with the Secretary of State when commissioning and must remain in force for the term of the commission; failing to maintain a valid bond can jeopardize the commission and expose the notary to additional liability. Understanding these practical aspects helps notaries and the public alike know how the bond functions as part of the broader framework that protects notarized transactions.

In the event of a claim against the bond, the surety company investigates complaints alleging misconduct, negligence, or failure to properly perform notarial acts. If the surety pays a claimant for a covered loss, the notary remains ultimately responsible and may be required to reimburse the surety for amounts paid under the bond. Claims can arise from improper acknowledgments, jurat errors, failure to verify signer identity, or notary acts performed outside the commission term. Maintaining accurate journals, using proper identification procedures, and following California notary statutes and handbooks reduces the likelihood of a claim and strengthens the notary’s defense if an incident occurs.

Notaries should also be aware of procedural changes that can affect the bond, such as updating the Secretary of State with changes in name, business address, or commission status, and the need to obtain a new bond if a commission is revoked, suspended, or not renewed. When renewing a commission, start the process early to ensure continuous bond coverage; gaps between commissions can leave a notary personally exposed. Many surety providers offer resources on best practices, recordkeeping, and compliance with electronic filing requirements, which can simplify meeting both the bonding and administrative obligations set by the Secretary of State.

The premium for a California notary bond—the amount paid to the surety company for issuing the bond—is a small fraction of the $15,000 coverage amount. Typical costs vary based on the notary’s credit history and the issuing company’s rates, but most first-time and renewing notaries pay between $50 and $150 for a four-year bond.

Factors That Affect Premiums

Several factors influence the cost of a notary bond premium: the applicant’s credit score, the surety company’s underwriting standards, whether multiple bonds are purchased through the same insurer, and occasional state-specific surcharges. Higher creditworthiness generally yields lower premiums because it reduces the likelihood the surety will have to pay a claim and seek reimbursement.

Examples of Typical Costs

For a notary applicant with average credit, a typical premium might be around $75–$125 for the full four-year bond. Applicants with excellent credit might see rates nearer $50, whereas those with poor credit may pay $150 or more. Some employers cover the bond cost for employees who serve as notaries, while independent notaries pay directly.

Payment options for the premium are usually flexible: many surety companies accept credit or debit cards, electronic checks, and sometimes payment plans for multiple policies or bundled services (such as errors & omissions insurance combined with the notary bond). When shopping, look for insurers that clearly disclose fees and renewal policies; a slightly higher upfront premium can be worthwhile if the insurer offers streamlined renewals and good customer service that reduces administrative hassle every four years.

Another consideration is discounts and bundling: some insurers provide lower rates when you purchase multiple bonds for several employees or combine the bond with complementary products like background checks or training packages. Additionally, if you anticipate a future change in creditworthiness—such as an upcoming debt reduction—ask whether an updated credit check at renewal could lower your premium. Comparing quotes from multiple licensed surety providers will typically reveal the best balance of price and service for your circumstances.

Claims against a notary bond arise when a member of the public alleges financial loss due to the notary’s misconduct or negligence. Common triggers include improper notarization, failing to verify identity, notarizing a signature without the signer being present, and participating in fraud.

Examples of Common Claims

Examples include notarizing a forged document that results in financial loss, failing to follow acknowledgement or jurat procedures causing a transaction to be invalid, or not following identity verification laws leading to an unauthorized transaction. In these cases the injured party can sue, and if successful, file a claim against the notary bond for up to $15,000.

What Happens If a Claim Is Paid?

If the surety company pays a valid claim, it will seek reimbursement from the notary for the amount paid, plus investigation and legal costs. The bond is not insurance for the notary; it is a security that protects the public. The notary could also face disciplinary actions by the Secretary of State, including suspension or revocation of the commission, depending on the nature of the misconduct.

Confusion often arises between notary bonds and errors and omissions (E&O) insurance. The bond is a legal requirement in California that protects the public; E&O insurance is optional and protects the notary directly from financial loss arising from mistakes or omissions.

How E&O Insurance Works

E&O insurance covers the notary’s legal defense costs and settlements up to the policy limits when a claim alleges negligence. Unlike the surety bond, an E&O policy pays the notary (or the injured party, by settlement) and does not require the notary to repay the insurer after a loss. Policies are typically offered in limits that range from $25,000 to $1,000,000 and can include additional coverages for related legal expenses.

Why Both May Be Useful

Because the bond is designed to protect the public, and the notary is responsible for reimbursing any paid claim, E&O insurance is a practical safeguard. It covers what the bond does not: the notary’s defense costs and reimbursement obligations. Many professional notaries carry both the mandatory $15,000 bond and an E&O policy to reduce personal financial exposure.

Acquiring the required $15,000 notary bond is a straightforward process involving a licensed surety provider. The bond can be purchased online or through insurance and bonding agents. The surety company issues the bond and files it with the Secretary of State as part of the notary application process.

Step-by-Step Purchase Process

First, complete any required notary education and testing. Then select a surety provider and request the bond. The provider will typically ask for basic personal information and may check credit. After payment of the premium, the surety issues the bond and either files it electronically with the Secretary of State or provides a bond form to include with the application packet.

Once the bond is accepted and the Secretary of State issues the commission, the notary must take and record the oath of office at the county clerk’s office and obtain a notary stamp and journal for recordkeeping.

Tips for Choosing a Surety

Choose a surety company licensed in California with clear policies about filing and claims handling. Compare premiums, turnaround time for bond issuance, and whether the company will file the bond with the Secretary of State on the notary’s behalf. Employer-sponsored notaries should verify whether the employer will pay the premium and how liability is handled internally.

California notary commissions last four years, and the bond must cover the entire term. Renewal processes include filing a new application, taking any updated education or testing required by the state, and purchasing a new $15,000 bond if renewing the commission.

Renewal Timeline and Process

Start the renewal process well before the commission expires—at least 60–90 days is recommended to accommodate any required training, testing, background checks, and bond issuance. The surety will issue a new bond for the next four-year term and file it with the Secretary of State alongside the renewal application.

Canceling or Changing a Bond

If a notary relocates out of California, resigns, or is otherwise no longer commissioned, the bond can be canceled. Cancellation procedures and obligations vary by surety; however, claims made for wrongful acts during the bond period may still be asserted after cancellation, subject to statute of limitations. Notify the surety and the Secretary of State promptly if the commission is terminated.

Preventing claims is far better than responding to them. Proper procedures, careful recordkeeping, and continuing education are the most effective ways to minimize risk and reduce the likelihood of a bond claim or disciplinary action.

Verify Identity Carefully

Always require government-issued photo identification that meets state standards. When identity is uncertain, refuse to notarize. Identity verification is the most frequent area of concern in notary disputes; documenting steps taken provides a strong defense if a claim arises.

Keep a Complete Notary Journal

Although California law historically emphasized the importance of a journal, keeping a detailed, contemporaneous notary journal is best practice. Record the date and time, type of document, signer’s name and address, ID type and number, fee charged (if any), and any unusual circumstances. Clear entries create a credible paper trail for defending against claims.

Follow Proper Procedures for Each Act

Different notarial acts (acknowledgments, jurats, certified copies) carry different procedural requirements. Follow statutory wording, administer oaths correctly, and use an accurate notary certificate. When in doubt, review the latest Secretary of State guidance and consider taking an updated continuing education course.

Practical examples help illustrate how bonds function and why compliance is crucial. The following scenarios reflect common issues and their likely outcomes under California law.

Scenario: Forged Signature on a Deed

If a notary witnesses a forged signature and notarizes it, a homeowner or bank may suffer financial loss. The injured party can pursue civil damages and file a claim against the notary bond. If the claim is valid, the surety might pay up to $15,000. The surety will then pursue the notary for repayment and the notary could face disciplinary action from the Secretary of State.

Scenario: Failure to Verify Identity

A notary who fails to verify a signer’s identity before notarizing a power of attorney could be held liable if a fraud occurs. Proper ID verification and journal entries often determine the outcome. If a claim is successful, the bond may be used for compensation; the notary may also need E&O coverage to handle legal defense and repayment.

Businesses that designate employees as notaries should understand how bonding, liability, and internal policies intersect. Employers often assume certain responsibilities for workplace notarial acts while still requiring notaries to observe state laws.

Policies and Training

Employers should implement clear written policies for employee notaries outlining acceptable duties, fee handling, documentation requirements, and procedures for refusing a notarization. Regular training and access to legal resources minimize errors that could result in claims.

Who Pays the Bond and Insurance?



It is common for employers to pay for the notary bond and E&O insurance for employees who act as notaries. Contractually clarifying who pays and who defends against claims reduces disputes. Employers should consult legal counsel to confirm whether indemnity agreements are advisable and to understand potential vicarious liability for employees’ actions.

When questions arise about the bond form, filing requirements, or notary procedures, official and professional resources can provide authoritative guidance. The Secretary of State’s office is the primary source for forms, filing instructions, and statutory interpretations.

Helpful Contact Points

The California Secretary of State’s Notary Public Section provides application forms, bond requirements, education resources, and contact information for questions related to commissions and bond filings. Professional notary associations and continuing education providers also offer courses and up-to-date guidance on best practices.

When to Consult an Attorney

If faced with a potential claim, disciplinary investigation, or complex legal question about a notarization, consulting an attorney experienced in notary law and surety claims is recommended. Legal counsel can advise on defense strategy, interaction with the surety, and steps to protect the commission.

efore applying or renewing, review this concise checklist to ensure compliance and reduce risk:

- Complete required education and pass the exam if required.

- Obtain and submit a $15,000 surety bond filed with the Secretary of State.

- Complete Live Scan fingerprinting and background checks as required.

- Take and file the oath of office at the county clerk’s office.

- Secure a compliant notary stamp and maintain a detailed notary journal.

- Consider purchasing errors and omissions insurance for personal protection.

Final Thought

The California notary bond is a statutory safeguard designed to protect the public and uphold the integrity of notarizations. While the bond itself does not insure notaries against claims, understanding its role, maintaining best practices, and having appropriate supplemental insurance will help notaries perform duties confidently and responsibly. Staying informed, documenting transactions carefully, and following the law are the best defenses against claims and disciplinary action.