Last Updated on March 14, 2026 by Insurance Pros
Michigan Notary Bond Requirements and Application Guide
Michigan notary application paperwork and bond documents used during the commission process.
A Michigan notary bond is a $10,000 surety bond required for anyone applying to become a notary public in Michigan. The bond protects the public from financial harm caused by improper notarization, fraud, or mistakes made while performing notarial duties.
Before receiving a commission, Michigan notaries must obtain the bond and file it with their county clerk as part of the application process. Michigan notary commissions generally remain valid for six years.
What Does a Michigan Notary Bond Cover?
A Michigan notary bond protects the public, not the notary. If a notary improperly notarizes a document or fails to follow legal procedures, the bond provides financial protection for individuals harmed by that action.
- The bond provides financial recovery if a notary commits fraud or makes a serious notarization error.
- The bond does not protect the notary personally from liability.
- If a claim is paid, the notary must reimburse the surety company.
- If the bond limit is exhausted, the notary may need to obtain a new bond to maintain their commission.
How Much Does a $10,000 Notary Bond Cost in Michigan?
Although Michigan requires a $10,000 bond, the actual cost to purchase the bond is much lower. Most Michigan notary bonds cost between $50 and $100 depending on the provider and whether additional services such as Errors & Omissions coverage are included.
While the bond protects the public, many notaries choose to add Errors & Omissions (E&O) insurance to protect themselves from personal liability.
Learn more about how E&O coverage protects notaries in our guide:
Michigan notary Errors & Omissions insurance explained
.
How to Get a Notary Bond in Michigan
Becoming a Michigan notary involves several steps. The bond must be purchased before submitting your final application.
- Complete the Michigan Notary Application.
- Purchase a $10,000 Michigan notary bond.
- File your bond with your county clerk, take your oath of office, and pay the filing fee.
- Submit your completed application to the Office of the Great Seal.
- Wait for approval from the State of Michigan.
Applications should be mailed to:
Office of the Great Seal
7064 Crowner Blvd.
Lansing, MI 48918
Most Common Mistakes New Michigan Notaries Make
Many notary claims result from simple procedural mistakes. New Michigan notaries should take extra care to follow the correct notarization process each time.
- Failing to properly verify the signer’s identity
- Notarizing incomplete documents
- Using incorrect notarial wording
- Forgetting the date or official stamp
- Not keeping accurate records of notarizations
These errors can delay transactions and may expose the notary to financial liability.
Frequently Asked Questions About Michigan Notary Bonds
How much does a $10,000 surety bond cost in Michigan?
The $10,000 bond amount refers to the coverage limit, not the purchase price. Most Michigan notaries pay between $50 and $100 for the bond depending on the provider and coverage package.
How do you get a notary bond in Michigan?
To obtain a Michigan notary bond, applicants must purchase the bond from a licensed surety provider before submitting their notary application. The bond must then be filed with the county clerk as part of the commissioning process.
What is the most common mistake made by a notary?
One of the most common mistakes is failing to properly verify the identity of the signer. Notaries must confirm identification and ensure documents are complete before notarizing them to prevent fraud or legal disputes.
Final Tips for Michigan Notaries
- Apply early before your commission expires.
- Consider adding E&O insurance for personal liability protection.
- Maintain accurate records of every notarization.
- Review official guidance from the Michigan Secretary of State.
