The Complete Guide to Florida Notary Bonds: Requirements, Costs & Florida Law

Becoming a notary public in Florida is an excellent way to provide valuable services to your community, supplement your income, or enhance your professional capabilities. Before you can notarize your first document, however, Florida law requires you to obtain a notary bond. This comprehensive guide explains everything you need to know about Florida notary bonds, including legal requirements, costs, and the application process.

What Is a Florida Notary Bond?

A Florida notary bond is a type of surety bond required by Florida Statutes § 117.01(2) that protects the public from financial loss due to a notary’s misconduct, negligence, or errors. Under Florida law, every notary public must obtain and maintain a bond throughout their entire four-year term of office.

Here’s how it works: Three parties are involved in every Florida notary bond:

1. The Principal – The notary public who purchases the bond
2. The Obligee – The State of Florida (specifically, the Florida Department of State, Division of Corporations)
3. The Surety – The insurance company licensed in Florida that issues the bond and guarantees the notary’s faithful performance

Critical distinction: A notary bond protects the public, not the notary. If someone suffers financial harm due to your actions as a notary, they can file a claim against your bond for compensation. This is fundamentally different from Errors & Omissions (E&O) insurance, which protects you, the notary.

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Florida Notary Bond Requirements Under State Law

Mandatory Bond Amount

Under Florida Statutes § 117.01(2), every Florida notary public must obtain a surety bond in the amount of $7,500. This requirement applies to all notaries, whether newly appointed or renewing their commission.

The statute specifically states:

“Each notary public, before performing any duties of the office, must execute a bond in the sum of $7,500, with one or more sureties, to be approved by the issuing officer, payable to the Governor and the Governor’s successors in office, and conditioned for the faithful performance of all duties required by law.”

This bond must be:

• Issued by a surety company authorized to do business in Florida
• In effect for the entire four-year term of your notary commission
• Filed with the Florida Department of State before you can receive your commission certificate

Bond Term and Duration

Under Florida Statutes § 117.01(1), Florida notary commissions are issued for a term of four years. Your notary bond must remain in effect for this entire period.

Important timing requirement: According to Florida Statutes § 117.01(2), you must obtain your bond “before performing any duties of the office.” This means:

• You cannot notarize any documents before your bond is filed
• Your bond must be filed before you receive your commission certificate
• Performing notarial acts without a bond is a violation of Florida law

Who Needs a Florida Notary Bond?

Under Florida law, every person appointed as a notary public must obtain a $7,500 surety bond. There are no exemptions based on:

• Your profession or employer
• Whether you’re employed by a bank, title company, law firm, or government agency
• Whether your employer provides other forms of insurance
• Whether you’re a renewing notary or first-time applicant

Florida Statutes § 117.01(4) makes clear that this is an individual responsibility. Even if your employer pays for the bond, it must be issued in your name as an individual, and you remain personally liable for any claims.

Remote Online Notary (RON) Bond Requirements

Florida law created a separate category of notaries authorized to perform remote online notarizations. Under Florida Statutes § 117.285, notaries who wish to provide Remote Online Notarization (RON) services face additional bonding requirements.

RON Bond Amount

According to Florida Statutes § 117.285(5)(a), online notaries must obtain:

A surety bond in the amount of $25,000

This is in addition to (not instead of) the standard $7,500 notary bond. Therefore, a Florida notary performing both traditional and remote online notarizations needs:

• $7,500 standard notary bond (required by F.S. § 117.01)
• $25,000 online notary bond (required by F.S. § 117.285)

RON Insurance Requirement

Beyond bonding, Florida Statutes § 117.285(5)(b) also requires online notaries to maintain:

Errors and Omissions insurance coverage of at least $25,000

This E&O insurance requirement is unique to RON notaries. Standard notaries are not legally required to carry E&O insurance (though it’s highly recommended).

Total RON Requirements

To perform remote online notarizations in Florida, you must have:

1. Standard notary commission with $7,500 bond
2. Additional $25,000 RON bond
3. $25,000 minimum E&O insurance policy
4. Completed RON education course
5. Registration as an online notary with the Florida Department of State

How Much Does a Florida Notary Bond Cost?

Florida notary bonds are remarkably affordable compared to the $7,500 coverage they provide.

Standard Notary Bond Cost

Typical cost range: $20-$40 for a four-year bond

Additional state filing fee: $39 (required by Florida Statutes)

Total initial cost: $59-$79 for most applicants

The bond premium (the amount you pay) is determined by the surety company and typically depends on:

• The surety company you choose
• Whether you purchase the bond individually or as part of a package
• Whether you order additional supplies (stamp, journal, etc.)

Example pricing from major providers:

• National Notary Association: $30 bond + $39 filing fee = $69 total
• Budget Notary Services: $28 bond + $39 filing fee = $67 total
• American Association of Notaries: $40 bond + $39 filing fee = $79 total
• Aaron Notary Services: Package deals starting at $81 (includes bond, filing fee, and supplies)

RON Bond and Insurance Cost

$25,000 RON bond: $40-$65 for four years

$25,000 E&O insurance: $25-$100+ per year (policies vary by coverage amount)

Total RON package: $150-$350+ depending on E&O coverage selected

Many vendors offer package deals that include:

• Standard $7,500 bond
• $25,000 RON bond
• $25,000-$100,000 E&O insurance
• Electronic notary seal
• Supplies and education
• Typical package cost: $189-$339

What’s Included in the Bond Cost?

When you purchase a Florida notary bond, the premium covers:

• The surety company’s guarantee to pay valid claims up to $7,500 (or $25,000 for RON)
• The surety company’s investigation and defense of claims
• The bond document properly formatted for Florida requirements
• The four-year term of coverage

What’s NOT included:

• The $39 state filing fee (separate charge)
• Your notary stamp or seal (separate purchase)
• E&O insurance (separate policy, optional for standard notaries)
• Education course fees (approximately $15-50 depending on provider)

Standard Notary Bond Cost Estimator:

• Bond Type: Standard $7,500 / RON $25,000

Purpose of Florida Notary Bonds: What They Protect

Under Florida Statutes § 117.01(2), notary bonds are “conditioned for the faithful performance of all duties required by law.” But what does this mean in practice?

Protection for the Public

Florida notary bonds serve several critical purposes:

1. Financial Protection for Document Signers

If a notary commits fraud, negligence, or misconduct that causes financial harm to someone, the bond provides compensation. Examples include:

• Notarizing a signature without the signer present (violation of F.S. § 117.05(4)(a))
• Failing to require proper identification (violation of F.S. § 117.05(5))
• Notarizing when the signer is not mentally competent
• Backdating or falsifying notarial certificates
• Participating in fraudulent real estate transactions

2. Deterrent Against Misconduct

Knowing that wrongdoing will result in bond claims creates incentive for proper conduct. Under Florida law, notaries must reimburse the surety company for any claims paid, creating personal financial liability that discourages violations.

3. Professional Accountability

The bond requirement under F.S. § 117.01 creates a minimum standard of financial responsibility for all Florida notaries, protecting the integrity of notarial acts throughout the state.

What Florida Notary Bonds Do NOT Cover

Understanding the limitations of notary bonds is crucial:

Bonds do NOT protect the notary. If someone files a valid claim against your bond:

• The surety company investigates the claim
• If the claim is valid, the surety pays the claimant up to the bond amount
• You must reimburse the surety company for the full amount paid plus expenses
• You could face additional legal consequences under Florida law

Bonds do NOT cover:

• Your legal defense costs (unless you have E&O insurance)
• Claims exceeding $7,500 (for standard bonds) or $25,000 (for RON bonds)
• Intentional fraud or criminal acts (though surety still pays claimants; you’re personally liable)
• Civil liability beyond the bond amount

This is why Errors & Omissions (E&O) insurance is so important, even though Florida doesn’t require it for standard notaries.

Florida Law Governing Notary Bonds

Florida notary bond requirements are primarily found in Florida Statutes Chapter 117, which governs notaries public. Understanding the key statutes helps clarify your obligations.

Key Florida Statutes on Notary Bonds

Florida Statutes § 117.01(2) – Bond Requirement

“Each notary public, before performing any duties of the office, must execute a bond in the sum of $7,500, with one or more sureties, to be approved by the issuing officer, payable to the Governor and the Governor’s successors in office, and conditioned for the faithful performance of all duties required by law. The bond must be executed by the notary public as principal and by a surety company authorized to do business in this state as surety.”

Key provisions:

• $7,500 mandatory amount
• Must be executed “before performing any duties”
• Surety company must be authorized to do business in Florida
• Conditioned on “faithful performance of all duties required by law”

Florida Statutes § 117.01(4) – Employer Cannot Provide Security

“A corporate employer may not provide a bond or other security on behalf of a notary public, and the failure of a corporate employer to provide such security does not affect the validity of notarial acts performed by the notary public.”

This means:

• Even if you work for a bank, law firm, or title company, your employer cannot post your bond
• You must personally obtain the bond in your own name
• Employer-provided insurance or fidelity bonds do not satisfy the statutory requirement

Florida Statutes § 117.285(5) – Online Notary Bond and Insurance

“(a) Before the department registers an individual as an online notary public, the department must receive an assurance in the form of a surety bond in the amount of $25,000.
(b) Before being commissioned, an online notary public must obtain and maintain errors and omissions insurance coverage with minimum coverage of $25,000.”

Key provisions for RON:

• Separate $25,000 bond requirement
• Mandatory $25,000 E&O insurance (unlike standard notaries)
• Must be maintained throughout your RON registration period

Florida Administrative Code Provisions

The Florida Administrative Code Rule 1N-7.003 provides additional detail on bond filing:

Rule 1N-7.003(1) specifies that bonds must be:

• On forms approved by the Department of State
• Filed with the Department before commission issuance
• Accompanied by the $39 filing fee

Penalties for Operating Without a Bond

Florida Statutes § 117.01(2) requires bonds “before performing any duties.” Operating as a notary without a properly filed bond constitutes:

Administrative violations – under F.S. § 117.01:

• Grounds for denial, suspension, or revocation of your notary commission
• Subject to investigation by the Florida Department of State

Potential civil liability – under Florida common law:

• Notarial acts performed without a bond may be voidable
• Personal liability for any damages resulting from invalid notarizations
• No bond coverage if claims are filed

Criminal exposure – under F.S. § 117.105:

• Knowingly performing notarial acts without proper commission may constitute a misdemeanor
• False statement regarding bond status could constitute fraud

How Florida Notary Bonds Work: The Claims Process

Understanding how bond claims work protects both notaries and the public.

When Can Someone File a Claim?

Under Florida Statutes § 117.01(2), bonds are “conditioned for the faithful performance of all duties required by law.” A claim can be filed when a notary:

1. Violates Notarial Law

Common violations that trigger claims under Florida Statutes § 117.05:

• Failing to require personal appearance of the document signer (F.S. § 117.05(4)(a))
• Not properly identifying the signer (F.S. § 117.05(5))
• Notarizing when the signer lacks mental capacity
• Failing to maintain a proper notary journal (F.S. § 117.05(8))
• Completing certificates improperly or deceptively (F.S. § 117.05(13))

2. Commits Fraud or Misconduct

Examples include:

• Backdating notarizations
• Notarizing blank documents
• Participating in fraudulent schemes (especially real estate fraud)
• Forging signatures or certificates
• Accepting bribes or improper fees

3. Causes Financial Harm

The claimant must demonstrate actual financial loss resulting from the notary’s violation. This is why bond claims often arise in contexts like:

• Fraudulent real estate transactions
• Forged powers of attorney
• Identity theft schemes
• Elder financial abuse

The Claims Investigation Process

When someone files a claim against a Florida notary bond:

Step 1: Claim Filed with Surety

The injured party files a claim with the surety company that issued the bond, providing:

• Description of the notarial act in question
• Explanation of how the notary violated Florida law
• Documentation of financial damages
• Supporting evidence (documents, witness statements, etc.)

Step 2: Surety Notifies Notary

Under the bond agreement, the surety company must notify you of the claim and request:

• Your account of what occurred
• Copies of your notary journal entries (required under F.S. § 117.05(8))
• Any evidence supporting your defense
• Explanation of your compliance with Florida Statutes Chapter 117

Step 3: Investigation

The surety company investigates to determine:

• Whether a notarial act occurred
• Whether the notary violated Florida law
• Whether the claimant suffered actual financial damages
• Whether those damages resulted from the notary’s actions
• The amount of valid damages

Step 4: Decision

The surety determines:

• Claim is VALID: Surety pays the claimant up to the bond amount ($7,500 or $25,000)
• Claim is INVALID: Surety denies the claim and notifies both parties
• Claim is PARTIALLY VALID: Surety pays the proven damages up to the bond limit

Step 5: Surety Seeks Reimbursement from Notary

This is the critical point many notaries don’t understand: Surety bonds are not insurance for the notary.

Under the bond agreement:

• You, the notary, are ultimately liable for all claims paid
• The surety pays the claimant immediately to fulfill its guarantee
• The surety then seeks full reimbursement from you for:
  • Amount paid to claimant
  • Investigation costs
  • Legal fees and expenses
  • Interest and collection costs

If you fail to reimburse the surety:

• The debt may go to collections
• Your credit will be damaged
• The surety may file a lawsuit against you
• You may face garnishment or liens

Real-World Example

Scenario: A Florida notary notarizes a deed transfer without the property owner being physically present (violation of F.S. § 117.05(4)(a)). The notarization enables a fraudster to steal the property worth $200,000.

Claims Process:

1. Property owner files claim against notary’s $7,500 bond
2. Surety investigates and confirms the notary violated F.S. § 117.05(4)(a)
3. Surety pays property owner $7,500 (the full bond amount)
4. Property owner is still out $192,500 and may sue the notary personally
5. Surety demands the notary reimburse $7,500 plus investigation costs
6. Notary is personally liable for:
   • $7,500 reimbursement to surety
   • Potentially $192,500 to property owner (civil lawsuit)
   • Criminal penalties under F.S. § 117.105 and other statutes
   • Revocation of commission under F.S. § 117.01

This example illustrates why E&O insurance is so important—it could have covered the notary’s legal defense and settlement costs.

E&O Insurance vs. Notary Bonds: Critical Differences

Many Florida notaries confuse notary bonds with Errors & Omissions insurance. Understanding the difference is essential.

Florida Notary Bond

Purpose: Protects the public from notary misconduct

Required by law: YES – F.S. § 117.01(2) mandates $7,500 bond

Who it protects: Document signers and the general public

Coverage amount: $7,500 (standard) or $25,000 (RON)

Claims process:

• Surety pays claimant
• Notary reimburses surety for all amounts paid

Cost: $20-$40 for four years

Your financial responsibility: 100% – you must repay the surety

Errors & Omissions Insurance

Purpose: Protects the notary from financial loss

Required by law:

• NO for standard notaries
• YES for RON notaries – F.S. § 117.285(5)(b) requires minimum $25,000

Who it protects: YOU, the notary

Coverage amounts: Typically $25,000 to $100,000 or more

Claims process:

• Insurance company defends you
• Insurance pays settlements up to policy limits
• NO reimbursement required from you

Cost: $25-$150+ per year depending on coverage amount

Your financial responsibility: $0 (no deductible) within policy limits

Why Florida Notaries Need Both

The bond: Required by law, protects others, leaves you personally liable

E&O insurance: Protects you from the financial devastation of claims and lawsuits

Recommended approach:

• Standard notaries: Obtain required $7,500 bond + purchase optional E&O insurance ($25,000-$100,000)
• RON notaries: Obtain required $7,500 bond + $25,000 RON bond + required $25,000 E&O (consider higher coverage)

Real-world costs:

• Required bond: $30-40 for 4 years
• Recommended E&O: $50-100 per year for $50,000-$100,000 coverage
• Total: ~$150-300 over 4 years to protect yourself from potentially devastating financial losses

How to Get a Florida Notary Bond: Step-by-Step Process

Obtaining your Florida notary bond is straightforward. Follow these steps to comply with Florida law.

Step 1: Choose an Approved Surety Company

Under Florida Statutes § 117.01(2), your bond must be issued by “a surety company authorized to do business in this state.”

Where to purchase Florida notary bonds:

The Florida Department of State maintains a list of approved notary processors at: dos.fl.gov/sunbiz/other-services/notaries/notary-processors

Popular Florida notary bond providers include:

• National Notary Association (NNA)
• American Association of Notaries
• Budget Notary Services
• Notary Public Underwriters
• Aaron Notary Appointment Services
• American Surety Company
• Viking Bond Service
• Florida Notary Bonding Agency

Factors to consider:

• Total cost (bond premium + filing fee + any package items)
• Processing speed (some offer same-day processing)
• Customer service and support
• Package deals (stamp, supplies, education included)
• Electronic filing capability
• Company reputation and reviews

Step 2: Complete Your Bond Application

Most Florida notary bond applications require:

Personal Information:

• Full legal name (must match your notary application)
• Current Florida residential address
• Date of birth
• Social Security number
• Contact information (phone, email)

Commission Information:

• Whether you’re a new or renewing notary
• Your current commission number (if renewing)
• County where you reside

Additional Information:

• Whether you’re also applying for RON registration
• Whether you want E&O insurance
• Supply package options

Required Documents:

• Florida driver’s license or state ID
• Proof of Florida residency
• Completion certificate from approved Florida notary education course (for first-time applicants)

Step 3: Pay the Bond Premium and Filing Fee

Bond premium: $20-$40 (varies by provider)

State filing fee: $39 (required by Florida law, non-negotiable)

Total: $59-$79 for most applicants

Payment methods: Most providers accept:

• Credit/debit cards
• Electronic check
• Money orders
• Business checks

Step 4: Receive and Review Your Bond

Once approved, you’ll receive:

The official bond document containing:

• Your name as principal
• The State of Florida (Governor) as obligee
• The surety company name
• Bond amount ($7,500 or $25,000)
• Bond effective dates (typically your 4-year commission term)
• Surety company seal and authorized signature
• Your signature (may be required)

Review carefully for:

• Correct spelling of your name
• Proper bond amount
• Accurate effective dates
• Surety company authorized in Florida

Step 5: Submit Your Bond to Florida Department of State

Under Florida Statutes § 117.01(2) and Florida Administrative Code Rule 1N-7.003, your bond must be filed with the Florida Department of State before you can receive your commission.

Two filing methods:

A. Processor Files for You (Recommended)

Most notary processors electronically file your bond directly with the Florida Department of State as part of their service. This is:

• Faster (often same-day electronic filing)
• More reliable (professionals handle the paperwork)
• More convenient (you don’t have to mail documents)

Processors who offer electronic filing:

• National Notary Association
• Budget Notary Services
• Aaron Notary Services
• Florida Notary Bonding Agency
• Many others

B. You File Yourself

If you purchase a bond independently, you must mail it to:

Florida Department of State Division of Corporations Notary Section P.O. Box 6327 Tallahassee, FL 32314-6327

Include:

• Original signed bond document
• Completed notary application (if new applicant)
• $39 filing fee (check or money order payable to “Florida Department of State”)
• Any other required documents

Step 6: Receive Your Florida Notary Commission

Processing timeline under normal circumstances:

• Electronic filing: 4-8 weeks
• Mail filing: 6-12 weeks

You’ll receive:

• Commission certificate with your official commission number
• Commission effective and expiration dates
• Instructions for obtaining your notary seal

Under Florida Statutes § 117.05(2), you must have your official seal before performing notarizations. Order your seal after receiving your commission number.

Step 7: Maintain Your Bond for Four Years

Your bond must remain in effect for your entire four-year commission term. This means:

DO:

• Keep your bond documentation in a safe place
• Maintain current contact information with your surety
• Notify surety of any address changes
• Renew your bond when you renew your commission

DON’T:

• Cancel your bond before your commission expires
• Allow your bond to lapse
• Change surety companies mid-commission without proper procedures
• Perform notarizations if your bond is invalid

Special Considerations for Remote Online Notaries (RON)

If you plan to perform remote online notarizations, you face additional bonding and insurance requirements under Florida Statutes § 117.285.

RON Requirements Summary

Under F.S. § 117.285, to become a Florida RON, you must:

1. First be a commissioned Florida notary (F.S. § 117.285(2))

• Have your standard $7,500 notary bond
• Hold an active Florida notary commission

2. Complete RON education (F.S. § 117.285(3))

• 3-hour course from approved provider
• Covers RON-specific laws and technology

3. Obtain $25,000 RON bond (F.S. § 117.285(5)(a))

• In addition to standard $7,500 bond
• From surety authorized in Florida
• Filed with Department of State

4. Obtain $25,000 E&O insurance (F.S. § 117.285(5)(b))

• Minimum coverage required by law
• Many notaries purchase higher coverage ($50,000-$100,000)
• Must be maintained throughout RON registration

5. Register with Florida Department of State (F.S. § 117.285(4))

• Submit RON registration application
• Pay required fees
• Receive RON authorization

6. Contract with approved technology provider (F.S. § 117.285(7))

• Use only approved RON platforms
• Comply with technology standards

RON Bond Cost Examples

Standard approach:

• Standard $7,500 notary bond: $30
• RON $25,000 bond: $45
• $25,000 E&O insurance: $50/year
• First year total: ~$165

Package deals (common):

• All bonds + $25,000 E&O + supplies: $189-$239
• All bonds + $50,000 E&O + supplies: $239-$289
• All bonds + $100,000 E&O + supplies: $339-$389

Why RON Bonds Are Higher

The $25,000 bond requirement (versus $7,500 for standard notaries) reflects:

• Higher risk of remote transactions
• Potential for identity fraud in online environment
• Technology-related risks
• Interstate commerce implications
• Greater potential damages in remote transactions

Common Florida Notary Bond Mistakes to Avoid

Mistake #1: Confusing Bonds with E&O Insurance

The problem: Many new notaries think the required bond protects them personally.

The reality: Under F.S. § 117.01(2), bonds protect the public. You remain personally liable and must reimburse the surety for any claims paid.

Solution: Purchase E&O insurance to protect yourself. Even though it’s not required for standard notaries under Florida law, it’s essential financial protection.

Mistake #2: Not Filing the Bond Before Notarizing

The problem: Receiving your commission certificate doesn’t mean your bond is filed.

The reality: Under F.S. § 117.01(2), you cannot perform notarial acts “before” filing your bond. Some notaries receive their commission but their bond filing is delayed.

Solution: Confirm with the Department of State that your bond is on file before performing any notarizations. You can verify online at: https://notaries.dos.state.fl.us/not001.html

Mistake #3: Using Employer-Provided Bonds

The problem: Working for a bank or title company that has fidelity bonds or other insurance.

The reality: F.S. § 117.01(4) specifically prohibits employers from providing notary bonds. You must obtain your personal bond.

Solution: Always purchase your bond in your own name, even if your employer reimburses you.

Mistake #4: Letting Your Bond Lapse

The problem: Assuming the bond automatically continues when you renew your commission.

The reality: Bonds expire when your commission expires. You need a new bond for each 4-year term.

Solution: When renewing your commission, also purchase a new 4-year bond. Many processors offer combined renewal packages.

Mistake #5: Not Understanding RON Bond Requirements

The problem: Thinking your $7,500 standard bond covers RON activities.

The reality: F.S. § 117.285(5) requires a separate $25,000 bond specifically for online notarizations.

Solution: If performing RON, ensure you have:

• Standard $7,500 bond for in-person notarizations
• Additional $25,000 bond for remote online notarizations
• Required $25,000 E&O insurance

Mistake #6: Not Maintaining Documentation

The problem: Losing track of bond documents, effective dates, and surety contact information.

The reality: If a claim is filed, you need immediate access to bond documentation.

Solution:

• Keep physical and digital copies of your bond
• Store with your notary supplies and important documents
• Know your surety company contact information
• Record your bond number and effective dates

Mistake #7: Performing Notarizations Outside Your Authority

The problem: Notarizing documents when you shouldn’t, assuming your bond will cover mistakes.

The reality: Bonds cover “faithful performance of duties required by law” (F.S. § 117.01(2)). Intentional violations may not be defended.

Solution: Know and follow Florida Statutes Chapter 117, including:

• Always require personal appearance (F.S. § 117.05(4)(a))
• Properly identify signers (F.S. § 117.05(5))
• Maintain accurate journal (F.S. § 117.05(8))
• Never notarize if unsure about legality

Frequently Asked Questions About Florida Notary Bonds

1. Is a notary bond required by Florida law, or is it optional?

Answer: A notary bond is absolutely required by Florida law—it’s not optional.

Florida Statutes § 117.01(2) explicitly mandates:

“Each notary public, before performing any duties of the office, must execute a bond in the sum of $7,500…”

This is a prerequisite to receiving your notary commission. The Florida Department of State will not issue your commission certificate until your bond is properly filed.

If you try to operate without a bond:

1. Administrative consequences – Your application will be denied, or if discovered later, your commission can be suspended or revoked
2. Legal liability – Any notarizations performed without a bond may be voidable, and you could face personal liability for damages
3. Potential criminal exposure – Knowingly performing notarial acts without proper authority could constitute a violation under F.S. § 117.105

Bottom line: There are zero exemptions to Florida’s notary bond requirement. Every single Florida notary must have a $7,500 bond (and RON notaries need an additional $25,000 bond) maintained throughout their entire four-year commission term.

2. Do I need a new bond when I renew my notary commission every four years?

Answer: Yes, you must obtain a new bond each time you renew your commission.

Here’s why:

Four-year commission term: Under Florida Statutes § 117.01(1), notary commissions are issued for four years. When your commission expires, your bond coverage tied to that specific commission also ends.

Bond term matches commission term: The bond is conditioned on “faithful performance of all duties” during a specific commission period. When that commission ends, so does the bond.

New commission = new bond: When you renew for a new four-year term, you’re essentially starting a new commission with new effective dates. This requires a new bond covering the new term.

Practical renewal process:

1. Timing: Begin your renewal process 60-90 days before your commission expires
2. Purchase new bond: Order a new 4-year, $7,500 bond (many processors offer renewal packages)
3. Submit renewal application: File your renewal application with the Department of State along with your new bond
4. Pay renewal fee: Currently $39 (same as original appointment)
5. Receive new commission: You’ll get a new commission certificate with new dates

Cost: Since bond premiums are typically $20-$40 for four years, your renewal cost is essentially the same as your original appointment ($59-$79 total including the state fee).

Important note: Don’t wait until your commission expires to order your renewal bond. If there’s any delay in processing, you could have a gap in your authority to notarize, which could impact your employment or business.

Package deals: Many vendors offer renewal packages that include:

• New 4-year bond
• State filing fee
• New notary stamp (your commission number changes)
• Updated supplies
• E&O insurance renewal

These packages typically cost $75-$125 and provide everything you need for your new term.

3. My employer is a bank that has fidelity bonds. Do I still need my own notary bond?

Answer: Yes, you absolutely still need your own individual notary bond, even if your employer has extensive insurance coverage.

This is specifically addressed in Florida Statutes § 117.01(4), which states:

“A corporate employer may not provide a bond or other security on behalf of a notary public, and the failure of a corporate employer to provide such security does not affect the validity of notarial acts performed by the notary public.”

What this means:

Your employer’s bonds don’t count: Banks, title companies, law firms, and other employers often carry:

• Fidelity bonds
• Errors & Omissions insurance
• Professional liability coverage
• Dishonesty bonds

None of these satisfy the Florida statutory requirement for an individual notary bond.

Personal responsibility: The notary bond requirement is a personal obligation. Even though you perform notarizations as part of your job, Florida law views the notary commission as a personal public office, not a corporate function.

Your commission, your bond: The bond must be:

• In your name as principal
• For your specific notary commission
• Filed with the state under your commission number
• Maintained by you personally

Why Florida prohibits employer-provided bonds:

1. Public office doctrine: Notaries are appointed by the state, not employed by companies. The commission is yours personally.
2. Conflict prevention: Employer-provided bonds could create conflicts of interest if the employer has incentives to suppress claims.
3. Individual accountability: Florida wants each notary personally responsible for their conduct.
4. Public protection: Individual bonds ensure protection regardless of employer status.

Practical considerations:

Your employer may reimburse you: While F.S. § 117.01(4) prohibits employers from “providing” the bond, many employers reimburse notaries for bond costs as a business expense. This is perfectly legal as long as:

• You personally purchase the bond
• The bond is in your name
• You technically own and control the bond
• Reimbursement happens after purchase

Get it in writing: If your employer promises to reimburse bond costs:

• Get the commitment in writing
• Keep receipts for all bond-related expenses
• Submit for reimbursement through normal expense processes

You’re still personally liable: Even if your employer pays for your bond, you remain personally liable for:

• Any claims filed against the bond
• Reimbursing the surety if claims are paid
• Violations of Florida notary law
• Civil and criminal penalties

If you change employers: Your bond travels with you because it’s attached to your commission, not your job. If you switch from one bank to another, you keep the same commission and same bond.

Bottom line: Even if you work for a major financial institution with millions in insurance coverage, you must purchase and maintain your own $7,500 notary bond. Budget $60-$80 every four years for this requirement.

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4. What’s the difference between the $7,500 standard bond and the $25,000 RON bond?

Answer: These are two separate bonds required for different types of notarial acts under Florida law.

Let me break down the key differences:

Standard $7,500 Notary Bond

Legal basis: Required by Florida Statutes § 117.01(2)

Covers: Traditional in-person notarizations where:

• The signer appears before you physically
• You verify their identity in person
• You watch them sign the document
• You complete the notarial certificate and affix your seal

Amount: $7,500 coverage

Who needs it: Every Florida notary public—no exceptions

Cost: $20-$40 for four years

Purpose: Protects the public from negligence or misconduct in traditional notarizations

RON $25,000 Bond

Legal basis: Required by Florida Statutes § 117.285(5)(a)

Covers: Remote online notarizations where:

• The signer appears via audio-video technology
• Identity verification occurs electronically
• The signing happens remotely
• Everything is recorded and electronically documented

Amount: $25,000 coverage

Who needs it: Only notaries who register to perform remote online notarizations (RON)

Cost: $40-$65 for four years

Purpose: Provides higher protection due to increased risks of remote transactions

Key Differences

1. Separate Requirements

If you’re a RON notary, you need BOTH bonds:

• $7,500 for in-person notarizations
• $25,000 for remote online notarizations

You can’t use the $25,000 bond to satisfy the $7,500 requirement—they’re separate statutory obligations.

2. Different Risk Levels

The higher RON bond amount ($25,000 vs. $7,500) reflects:

• Greater fraud risk in remote transactions
• Technology-dependent process with potential failures
• Interstate commerce implications
• Identity verification challenges in virtual environment
• Higher potential damages from sophisticated fraud schemes

3. Additional RON Requirements

Getting the $25,000 RON bond also triggers other requirements under F.S. § 117.285:

• Mandatory $25,000 E&O insurance (not required for standard notaries)
• RON-specific education and training
• Registration with Department of State as online notary
• Technology provider contract
• Higher compliance standards

4. Filing Process

Both bonds must be:

• Filed with the Florida Department of State
• Maintained throughout your commission term
• From Florida-authorized surety companies
• Kept current without lapses

Practical Example

Sarah is a Florida notary who works at a title company:

Scenario 1: In-person closings only

• Sarah needs: $7,500 standard notary bond
• Total cost: $60-$80 (bond + state fee)
• Can only perform in-person notarizations

Scenario 2: Sarah adds RON capability

• Must obtain: $25,000 RON bond (in addition to existing $7,500 bond)
• Must obtain: $25,000 E&O insurance (required by law for RON)
• Additional costs: $150-$250 for RON bond, insurance, and education
• Can now perform both in-person and remote online notarizations

Cost Comparison

Standard notary only:

• $7,500 bond: $30
• State filing fee: $39
• Total: ~$69

RON notary:

• $7,500 bond: $30
• $25,000 RON bond: $50
• $25,000 E&O insurance: $50/year × 4 years = $200
• State filing fees: $39 + RON registration fee
• Total: ~$350-$400

Package deals: Many providers offer RON packages for $189-$339 that include both bonds, E&O insurance, electronic seal, and education.

Can you have one without the other?

Standard bond without RON bond: YES

• You can be a regular notary with just the $7,500 bond
• You simply cannot perform remote online notarizations

RON bond without standard bond: NO

• F.S. § 117.285(2) requires you to “first be commissioned” as a standard notary
• You must have the $7,500 bond before adding RON capability
• You cannot be a RON-only notary in Florida

Bottom line: Think of it this way:

• $7,500 bond = Driver’s license (everyone needs it)
• $25,000 RON bond = Commercial driver’s license (additional endorsement with more requirements and higher cost)

5. If someone files a claim against my bond, will I have to pay the money back to the surety company?

Answer: Yes—and this is one of the most critical things Florida notaries need to understand about bonds. You are ultimately liable for every dollar the surety company pays out, plus expenses.

This is fundamentally different from insurance, and many notaries are shocked when they first learn about it.

How Surety Bonds Work: The Three-Party Agreement

When you purchase a notary bond, you enter into a legal agreement between three parties:

1. You (the Principal) – The notary who must perform duties faithfully

2. The State of Florida (the Obligee) – Beneficiary of the bond, protecting the public

3. The Surety Company – Guarantees you’ll fulfill your obligations; pays claims if you don’t

The Claims and Repayment Process

Here’s what happens when someone files a claim:

Step 1: Claim is filed

• Someone alleges you violated Florida notary law
• They suffered financial damages as a result
• They file a claim with your surety company

Step 2: Investigation

• Surety investigates the allegations
• Reviews your notary journal (if you kept one)
• Examines the documents in question
• Interviews parties involved
• Determines if claim is valid

Step 3: Surety makes decision

If claim is VALID:

• Surety pays the claimant up to the bond amount ($7,500 or $25,000)
• Payment is immediate to the claimant
• This fulfills the surety’s guarantee to the public

If claim is INVALID:

• Surety denies the claim
• Sends written explanation
• No money changes hands

Step 4: Surety demands reimbursement from YOU

Here’s the part that surprises many notaries:

• The surety sends you a demand for repayment
• You must reimburse 100% of what they paid
• Plus investigation costs
• Plus legal fees
• Plus interest
• Plus any collection costs

Step 5: If you don’t repay

The surety company can and will:

• Send the debt to collections
• Damage your credit score
• File a lawsuit against you
• Obtain a judgment
• Garnish your wages
• Place liens on your property
• Pursue collection until paid in full

Real-World Example

Situation: You notarize a power of attorney document. You properly verify the signer’s ID and watch them sign. However, later it’s discovered the signer was suffering from dementia and lacked mental capacity. A fraudster uses the POA to steal $50,000 from the victim’s bank account.

Claim filed: The victim files a claim against your $7,500 bond.

Investigation: The surety determines:

• You complied with ID requirements
• You didn’t know about the mental incapacity
• But under F.S. § 117.05, notaries must determine signer’s competency
• Your failure to recognize obvious incapacity violated your duty

Surety pays: $7,500 to the victim (the full bond amount)

Your liability:

• Surety demands $7,500 reimbursement from you
• Plus $2,000 investigation costs
• Plus $1,500 legal fees
• Total you owe surety: $11,000

Additional exposure:

• Victim sues you personally for remaining $42,500
• Without E&O insurance, you pay for legal defense out-of-pocket
• Potential settlement or judgment could be tens of thousands more
• Commission likely revoked under F.S. § 117.01

Total potential liability: $50,000+ legal fees

Why This System Exists

The bond structure serves specific purposes:

Immediate compensation: Public gets paid quickly without having to sue you first

Accountability: You remain personally responsible for your actions

Public protection: The surety’s resources guarantee payment even if you can’t pay

Professional standard: Creates strong incentive to follow Florida law carefully

This is Why E&O Insurance is Essential

Notary bond: Protects public; leaves you personally liable

E&O insurance: Protects YOU from financial devastation

With E&O insurance:

• Insurance company provides legal defense
• Insurance pays settlements/judgments up to policy limit
• NO reimbursement required from you
• Coverage continues even after retirement

Without E&O insurance:

• You pay for legal defense yourself
• You reimburse surety for all claims paid
• You’re personally liable for amounts exceeding bond
• One claim could cause financial ruin

Cost Comparison

Risk WITHOUT E&O insurance:

• One $7,500 bond claim + legal fees = $10,000-$20,000+ out of pocket
• Plus potential additional liability beyond bond amount
• Plus damaged credit if you can’t pay immediately
• Plus potential bankruptcy

Protection WITH E&O insurance:

• Annual cost: $25-$100 for $25,000-$100,000 coverage
• Over 4 years: $100-$400 total investment
• Coverage for legal defense, claims, and judgments
• Financial security: priceless

Frequently Misunderstood Points

❌ Wrong: “I have a bond, so I’m protected if something goes wrong.” ✓ Right: “The bond protects the public. I need E&O insurance to protect myself.”

❌ Wrong: “The surety company pays claims, so I’m off the hook.” ✓ Right: “The surety pays claims immediately, then I must repay every dollar plus expenses.”

❌ Wrong: “My employer’s insurance covers me.” ✓ Right: “I’m personally liable regardless of employer insurance unless I have personal E&O.”

❌ Wrong: “If I follow the law carefully, I don’t need to worry about claims.” ✓ Right: “Even honest mistakes can trigger claims. E&O insurance provides essential protection.”

Recommended Protection for Florida Notaries

Minimum (required by law):

• $7,500 notary bond

Recommended for all notaries:

• $7,500 bond (required)
• $25,000-$50,000 E&O insurance (optional but highly recommended)
• Annual cost: $75-$125

Recommended for RON notaries:

• $7,500 standard bond (required)
• $25,000 RON bond (required)
• $50,000-$100,000 E&O insurance (minimum $25,000 required; higher recommended)
• Annual cost: $150-$250

Bottom line: Yes, you must repay the surety for every claim paid. This is why E&O insurance, while not legally required for standard notaries, is financially essential. Protect yourself with both a bond (required by law) and E&O insurance (required by common sense).

Get Your Florida Notary Bond Today

Whether you’re becoming a notary for the first time or renewing your commission, obtaining your Florida notary bond is a straightforward process that ensures compliance with Florida Statutes § 117.01 and protects the public.

Ready to Get Started?

Our experienced team specializes in Florida notary bonds and understands the unique requirements of Florida law. We offer:

✓ Fast approvals – Most bonds processed within 24 hours
✓ Competitive rates – $7,500 bonds starting at $59 (includes $39 state filing fee)
✓ Florida law expertise – Specialists who understand F.S. Chapter 117 requirements
✓ Electronic filing – We file directly with Florida Department of State
✓ RON packages – Complete packages for Remote Online Notaries
✓ Package deals – Bonds, stamps, supplies, and education bundles
✓ Statewide service – Serving all 67 Florida counties

Get your free Florida notary bond quote in 60 seconds:

Questions? Our Florida notary bond specialists are here to help:

📞 Call: 913.214.8344
✉️ Email: [email protected]

Why Choose Us for Your Florida Notary Bond?

Florida Experience You Can Trust: We’ve helped thousands of Florida notaries meet their bonding requirements efficiently and affordably.

Florida Law Knowledge: Our team understands F.S. § 117.01, § 117.285, and Florida Administrative Code requirements, ensuring your bond complies with all legal standards.

Fast Electronic Filing: We electronically file your bond with the Florida Department of State, speeding up your commission processing.

Package Convenience: Choose from packages that include everything you need:

• Required $7,500 bond
• $39 state filing fee
• Self-inking notary stamp
• Notary journal
• Optional E&O insurance
• Educational resources
• All-in-one pricing from $79

RON Specialist Support: Adding Remote Online Notary capability? We offer complete RON packages including:

• Standard $7,500 bond
• $25,000 RON bond
• Required $25,000+ E&O insurance
• Electronic notary seal
• RON education course
• Technology provider guidance
• Complete packages from $189

Renewal Made Easy: When it’s time to renew your commission, we make it simple with renewal-specific packages.

Ongoing Support: Our Florida notary specialists are available to answer questions about bonds, insurance, and Florida notary law throughout your commission term.

Florida Notary Resources

Florida Statutes and Rules:

• Florida Statutes Chapter 117 – Notaries Public
• Florida Administrative Code Chapter 1N-7 – Notaries Public
• Florida Governor’s Reference Manual for Notaries

Florida Department of State Resources:

• Division of Corporations – Notaries Section
• Notary Public Application Forms
• Approved Notary Processors List
• Search Active Florida Notaries
• Remote Online Notary Information

Related Florida Articles:

• Understanding Florida Notary Laws and Requirements
• Florida Remote Online Notary: Complete RON Guide
• Florida Notary E&O Insurance: Do You Need It?
• Common Florida Notary Mistakes and How to Avoid Them

Florida Tools and Resources:

• Florida Notary Bond Cost Calculator
• Florida RON Requirements Checklist
• Florida Notary Supplies Guide
• Florida Notary Journal Templates

Legal Disclaimer: This information is provided for educational purposes and does not constitute legal advice. Florida notary laws are complex and circumstances differ. Consult with the Florida Department of State or a licensed Florida attorney for specific guidance regarding your situation. This guide reflects Florida law as of January 2026 and may not reflect subsequent statutory or rule changes.

Important Notice: All Florida notaries must comply with Florida Statutes Chapter 117 and applicable provisions of the Florida Administrative Code. Failure to maintain proper bonding as required by F.S. § 117.01(2) can result in commission denial, suspension, or revocation, as well as civil and criminal penalties.

Last Updated: January 2026
Florida Statutes Cited: Chapter 117 (Notaries Public), Florida Administrative Code Rule 1N-7
For current bond requirements, always verify with the Florida Department of State