NY public official bonds.
Flat 3%. $275 minimum.
The official undertaking New York requires from many elected and appointed officials before they take office — guaranteeing they will faithfully discharge their duties and account for every dollar of public money. We write it at a flat 3% of the penal sum, $275 minimum. The amount you enter is the one your appointing authority set.
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Apply, sign, file with your municipality.
A public official bond is light underwriting — a soft credit pull, then issued. Here is the whole process:
Apply online
Your details, the office you were elected or appointed to, your obligee (the municipality requiring the bond), and the penal sum it set. That is the application.
Quick review
This bond carries a soft credit inquiry — it never affects your credit score, and it never changes your price. Credit can affect approval, not the rate; the rate stays a flat 3% of the penal sum either way.
File with your obligee
The executed bond is delivered for signature and filing with the body that approves it — typically the municipality, and for town officers the county clerk. Wet-ink originals mailed when required.
The whole pricing page.
Penal sum × 3% = your premium, one-time, $275 minimum. A $5,000 bond lands at the $275 minimum; above roughly $9,200 the flat 3% takes over. The amount is whatever your appointing authority set — enter it and the price follows.
What it is and who needs it.
What the public official bond actually covers
A New York official undertaking — commonly called a public official bond — guarantees that an elected or appointed officer will faithfully discharge the duties of the office and promptly account for and pay over all public moneys and property received in that role. If the official defaults, the bond answers for the resulting damages up to the penal sum.
It is required of a wide range of officials who hold the public trust — town, village, and county clerks, treasurers, tax collectors and receivers, and other officers charged with handling public funds. The exact offices and amounts are set by the Public Officers Law together with the relevant Town, Village, and County Law.
The penal sum is set by your appointing authority — fixed by statute for some offices, otherwise set by the municipality or the board that approves the undertaking. We do not set it; you enter the figure your obligee requires and we write the bond at a flat 3%, $275 minimum.
You need this bond if you are
Five minutes, soft pull, then issued.
Submit the application with your office, your obligee, and the penal sum it set. A soft credit pull follows — it never touches your score, and the price is a flat 3% either way.
Start the application →Common questions.
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Other New York bonds.
Public official bond, priced flat.
Five-minute application, soft pull only, flat 3% of the penal sum with a $275 minimum. Enter the amount your obligee set and file the executed bond with your municipality.