Why Do You Need Notary Errors and Omissions Insurance?

Many notaries are unaware that they have total liability for incorrect or inappropriate notary acts. If a notary makes an error that costs a client something of value, that client could sue, even if the notary had no idea of the wrongdoing. Ignorance of the law is not considered an excuse.

Obviously, if a notary performs a fraudulent and deliberate criminal act, that notary should be prosecuted. But notaries are most often sued because of simple errors, lack of instruction and education, and persuasion or intimidation by employers, friends or family. They usually mean well, and they're very persuasive - and the notary is usually just trying to help. But who gets called into court? It's a lot to risk.

Paying a little money now may save you a bundle in the future. If you are sued, even when completely innocent of any wrongdoing, you still have to come up with a lawyer and pay court fees to prove your innocence. This is how our legal system works - without hiring a lawyer, what are your chances of winning a case even if you are not at fault?

The American Association of Notaries offers notary errors and omissions (E & O) Insurance at very reasonable rates to help the notary protect against claims of wrongdoing or negligence, and will help pay legal expenses in a court case. This is optional insurance but is strongly recommended for all notaries.