--- title: What Housing Organizations Should Know About Notary Bonds description: If your housing organization employs notaries, understanding notary bond requirements is essential. Learn what notary bonds cover, which states require them, and how to stay compliant. image: https://blog.haigroup.com/hubfs/NotaryBonds_FeatureImage-1.png --- [Skip to content](https://blog.haigroup.com/notary-bonds#main-content) [![hai-logo-KO-256px](https://blog.haigroup.com/hs-fs/hubfs/hai-logo-KO-256px.png?width=256&height=57&name=hai-logo-KO-256px.png "hai-logo-KO-256px")](https://www.haigroup.com/) - SEARCH - [Risk Management](https://blog.haigroup.com/tag/risk-management), - [Public Housing](https://blog.haigroup.com/tag/public-housing), - [Affordable Housing](https://blog.haigroup.com/tag/affordable-housing) # What Housing Organizations Should Know About Notary Bonds ![](https://blog.haigroup.com/hubfs/NotaryBonds_FeatureImage-1.png) - August 5, 2025 ![Ally Modugno | Marketing Specialist | HAI Group](https://blog.haigroup.com/hubfs/Ally%20Modugno.jpg) [Ally Modugno | Marketing Specialist | HAI Group](https://blog.haigroup.com/author/ally-modugno) [\< Back to Resource Center](https://blog.haigroup.com) If your housing organization employs notaries, whether for certifying documents, verifying resident information, or handling legal paperwork, it’s essential to understand notary bonds and the protection they provide. ## **What is a notary bond?** A **notary bond** is a type of surety bond that protects the public, not the notary. It serves as [a financial guarantee](https://www.nationalnotary.org/support/errors-and-omissions-insurance/notary-bond-faqs?srsltid=AfmBOoqpw_c7O36emlPh1ekzvJFIjvZwSOtsM2w5_JVHUx2uTeYqmMfS) that the notary will perform their duties in accordance with state laws and regulations. If the notary makes a mistake or engages in misconduct that causes financial harm, the injured party can file a claim against the bond. Here’s how it works: - The surety company (which issues the bond) pays valid claims to affected parties. - The notary is then responsible for reimbursing the surety company for those costs. This system ensures accountability while offering recourse for individuals who rely on notarized documents. ## What does a notary bond cover? - **Financial losses** due to the notary’s negligence, misconduct, or failure to follow proper procedures. - **Legal compliance**, ensuring that notarial acts meet state-specific requirements. - **Public protection**—the bond does not protect the notary personally. For that, separate **errors and omissions (E&O) insurance** is recommended. ## Do all states require notary bonds? No, but [many states do require notary bonds](https://www.nationalnotary.org/support/errors-and-omissions-insurance/notary-bond-faqs?srsltid=AfmBOoqpw_c7O36emlPh1ekzvJFIjvZwSOtsM2w5_JVHUx2uTeYqmMfS) as part of their commissioning process. These states include: | ·        [Alabama](https://www.nationalnotary.org/alabama/insurance/bond) ·        [Alaska](https://www.nationalnotary.org/alaska/insurance/bond) ·        [Arizona](https://www.nationalnotary.org/arizona/insurance/bond) ·        [Arkansas](https://www.nationalnotary.org/arkansas/insurance/bond) ·        [California](https://www.nationalnotary.org/california/insurance/bond) ·        [District of Columbia](https://www.nationalnotary.org/washington-dc/insurance/bond) ·        [Florida](https://www.nationalnotary.org/florida/insurance/bond) ·        [Hawaii](https://www.nationalnotary.org/hawaii/insurance/bond) ·        [Idaho](https://www.nationalnotary.org/idaho/insurance/bond) ·        [Illinois](https://www.nationalnotary.org/illinois/insurance/bond) | ·        [Indiana](https://www.nationalnotary.org/indiana/insurance/bond) ·        [Kansas](https://www.nationalnotary.org/kansas/insurance/bond) ·        [Kentucky](https://www.nationalnotary.org/kentucky/insurance/bond) ·        [Louisiana](https://www.nationalnotary.org/louisiana/renew-a-notary) ·        [Michigan](https://www.nationalnotary.org/michigan/insurance/bond) ·        [Mississippi](https://www.nationalnotary.org/mississippi/insurance/bond) ·        [Missouri](https://www.nationalnotary.org/missouri/insurance/bond) ·        [Montana](https://www.nationalnotary.org/montana/insurance/bond) ·        [Nebraska](https://www.nationalnotary.org/nebraska/insurance/bond) ·        [Nevada](https://www.nationalnotary.org/nevada/insurance/bond) | ·        [New Mexico](https://www.nationalnotary.org/new-mexico/insurance/bond) ·        [North Dakota](https://www.nationalnotary.org/north-dakota/insurance/bond) ·        [Oklahoma](https://www.nationalnotary.org/oklahoma/insurance/bond) ·        [Pennsylvania](https://www.nationalnotary.org/pennsylvania/insurance/bond) ·        [South Dakota](https://www.nationalnotary.org/south-dakota/insurance/bond) ·        [Tennessee](https://www.nationalnotary.org/tennessee/insurance/bond) ·        [Texas](https://www.nationalnotary.org/texas/insurance/bond) ·        [Utah](https://www.nationalnotary.org/utah/insurance/bond) ·        [Washington](https://www.nationalnotary.org/washington/insurance/bond) ·        [Wisconsin](https://www.nationalnotary.org/wisconsin/insurance/bond) | | --- | --- | --- | Each state sets its own bond amount and requirements. It’s important for housing organizations to stay informed and ensure their notaries are compliant with local laws. ## What does a notary bond cost? The premium for a notary bond is typically a **small percentage** of the total bond amount. For example: - A **$10,000 bond** may [cost anywhere from **$38 to $150**](https://www.palmettosurety.com/2024/02/how-much-does-a-10000-notary-bond-cost/), depending on the state and the notary’s creditworthiness. ## Why it matters for housing organizations Notaries play a vital role in many housing-related transactions. Whether you're processing lease agreements, affidavits, or legal certifications, improper notarization can expose your organization to risk. By ensuring your notaries are properly bonded and trained, you protect: - Your residents - Your organization’s reputation - Your compliance with state regulations ## Need help with notary bonds? HAI Group is here to help. If you have questions about notary bond requirements or need support obtaining coverage, our Account Services team is just a call or email away. We’ll help ensure your organization is properly protected and compliant with state laws.  ### Contact our Account Services team if you have questions or need assistance with notary bond coverage. [![Contact Account Services](https://no-cache.hubspot.com/cta/default/20790879/interactive-187801916207.png)](https://blog.haigroup.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJ058XhpiZoCtirdkr4wTYo5ibonWpfICV%2BO%2FktEKkK9dnlIei9CRbog3Nk2L%2B%2BJVJAl%2Bfuj1CjYVWg%2FVG3WHcMam6zpiFDbwjljVv14c2GXJQE9B4EHV1fsyk1pyXNu1P%2BTATwsEYqJm0RiCHriAEx2yn%2F4uYYeUynDS3jjYcd2kZuVRF9hzhSd5TnNT6bs272rBiKvW7aLRDH2NsqSKqji2AmQcKpIgw7UPOKFOkcw0KuBj68vwmua%2FvAFZpTjg%3D%3D&webInteractiveContentId=187801916207&portalId=20790879) The information presented is for general reference only. HAI Group makes no representation or warranty about the accuracy or applicability of this information for any particular use or circumstance. Your use of this information is at your own discretion and risk. HAI Group and any author or contributor identified herein assume no responsibility for your use of this information. You should consult with your legal, professional or subject matter advisor before implementing any new strategy or policy. HAI Group® is the registered trademark of Housing Authority Risk Retention Group, Inc. and its related companies. For a complete list of HAI Group companies, visit www.haigroup.com. Products or services may not be available in all jurisdictions. Certain property and casualty coverage may be provided by a risk retention group or a surplus lines insurer or by a third party. Risk retention groups and surplus lines insurers do not participate in state guaranty funds and their insureds are not protected by such funds. 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