What is the purpose of a notary surety bond, where required?

A notary surety bond, required in many states, protects the public — not the notary. If a notary's improper act, negligence, or misconduct causes financial harm to a member of the public, the injured party can make a claim against the bond up to its amount. The surety company that pays a claim can then seek reimbursement from the notary, so the bond does not shield the notary from personal liability. Notaries who want protection for themselves typically purchase separate errors-and-omissions (E&O) insurance. Understanding that the bond safeguards the public while E&O protects the notary is a common point on notary exams.