Notary Errors and Omissions Insurance Demystified

If you’re a notary public, you’ve probably heard about Errors and Omissions (E&O) Insurance. But do you really need it? What does it cover? And how much does it cost?

Don’t worry — this guide breaks it all down in plain English. Whether you’re just getting started as a notary or you’re a seasoned professional, understanding E&O insurance is key to protecting your work and reputation.

Let’s dive in and demystify notary E&O insurance so you can make an informed decision.

🔍 What Is Notary Errors and Omissions Insurance?

Notary Errors and Omissions Insurance is a type of professional liability insurance designed to protect notaries from financial loss due to mistakes, oversights, or unintentional misconduct made during the notarization process.

In simpler terms:

It covers you if you make a human error or are accused of negligence while performing your official duties as a notary.

This could include:

• Forgetting to verify a signer’s ID
• Misspelling a name on a notarized document
• Failing to apply your notary seal correctly

Without E&O insurance, you could be personally liable for any damages — even if the mistake was minor or unintentional.

🛡️ What Does E&O Insurance Cover?

Here’s a breakdown of what E&O typically covers:

Important Note: This is not the same as your notary bond. A bond protects the public — E&O protects you.

💡 Why Do You Need It?

Even the most careful notaries can make honest mistakes. Here’s why E&O insurance is a smart investment:

🧠 1. Mistakes Happen

You’re only human! Even a small oversight could lead to a legal issue or financial loss.

⚖️ 2. Legal Protection

If you’re sued, E&O insurance can cover your legal fees, settlements, or judgments—often amounting to thousands of dollars.

🧾 3. Professional Credibility

Having insurance shows clients you take your responsibilities seriously—this can set you apart and help you win more business.

🧍‍♂️ 4. You’re Often Required to Have It

Some states, employers, or contracting agencies require notaries to carry E&O coverage, especially for real estate closings.

💲 How Much Does It Cost?

Great news — E&O insurance is very affordable, especially compared to the financial risks it protects against.

Typical Premiums:

Prices vary depending on:

• Your state
• Your experience
• The provider
• Your coverage amount

💡 Tip: You can often purchase E&O when renewing your notary commission or bond.

📋 What to Look for in a Policy

Not all E&O insurance is created equal. Here’s a checklist of what to consider:

✅ Look For:

• Claims-made coverage (most common)
• Retroactive date (should go back to your commission start date)
• Legal defense coverage
• Coverage for both actual and alleged errors

🚫 Avoid:

• Policies with high deductibles (most notary policies have no deductible)
• Policies that exclude certain notarial acts you perform regularly

If you’re unsure, talk to a reputable insurance agent who specializes in notary policies.

🧾 How to File a Claim (If You Ever Need To)

Hopefully, you’ll never need to use your E&O policy — but it’s good to know what to expect.

Steps to File:

1. 📞 Notify your insurer immediately after the incident.
2. 📝 Complete a claim form detailing what happened.
3. 📂 Provide documentation such as copies of the notarized document, complaint, and your journal.
4. ⚖️ Work with the insurer’s legal team if the case goes to court.

Reminder: Don’t admit fault before speaking with your insurer — they’ll guide you through the process.

💬 Common Myths About Notary E&O Insurance

Let’s clear up a few common misconceptions:

❌ “I don’t need insurance because I’m bonded.”

False. Your bond protects the public, not you. If a claim is paid on your bond, you’re responsible for repaying it. E&O helps you avoid that personal liability.

❌ “I’ve never made a mistake, so I’m fine.”

False. You don’t have to make a mistake to get sued. Allegations alone can lead to costly legal battles — even if you’re found not at fault.

❌ “E&O is too expensive.”

False. Most policies cost less than a tank of gas per year, making it one of the cheapest forms of professional protection available.

🧠 Final Thoughts

Notary Errors and Omissions Insurance is not a luxury — it’s smart protection for your career, reputation, and peace of mind.

Whether you’re notarizing simple affidavits or high-stakes loan documents, having E&O insurance gives you the confidence to do your job knowing you’re covered if something goes wrong.

It’s easy to get, affordable to maintain, and invaluable when you need it.

📌 Quick Recap

Ready to protect yourself?
Check with your state’s notary association or a licensed insurance provider today to compare E&O plans that fit your needs.