Notary E&O Insurance — What You Need and Why It Matters
Notary Errors & Omissions (E&O) insurance protects you if you make a mistake in performing a notarization that causes financial harm to a signer or third party. For professional notaries — especially loan signing agents and RON practitioners — E&O insurance is essential.
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Buy the Full Guide — $1.99What Is Notary E&O Insurance?
E&O insurance (also called professional liability insurance) covers claims arising from mistakes, errors, or omissions in your notarial work. Examples: missing a required signature, using the wrong certificate, or failing to properly verify identity. It pays for legal defense and settlements up to your policy limit.
How Much Coverage Do You Need?
For general notaries: $25,000–$100,000 in coverage is typically sufficient. For loan signing agents: $100,000–$500,000 is recommended, since mortgage documents involve large dollar amounts. Many title companies require LSAs to carry at least $100,000 in E&O coverage.
E&O Insurance Costs
Notary E&O insurance is surprisingly affordable: $25,000 coverage: approximately $40–$60/year; $100,000 coverage: approximately $65–$100/year; $500,000 coverage: approximately $100–$150/year. The NNA (National Notary Association) offers competitively priced E&O policies with their membership.
Where to Buy Notary E&O Insurance
Best sources: (1) NNA (National Notary Association) — most popular option, bundled with membership; (2) Notary Bond Warehouse; (3) American Notary Association; (4) Your state notary association; (5) Independent insurance broker. Compare prices and coverage before buying.
Notary Bond vs. E&O Insurance
Many states require a notary bond, which is different from E&O insurance. A notary bond protects the PUBLIC from your errors; E&O insurance protects YOU. You typically need both: the bond for legal compliance, E&O for your own financial protection. Bonds are cheap ($40–$100 for 4 years).
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