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Errors and Omissions Insurance

What is an Errors and Omissions Insurance?

An Errors and Omissions Insurance policy protects the notary public by absorbing the costs of lawsuits resulting from the notary’s unintentional errors, mistakes, and/or omissions made during the performance of a notarial act.

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Is it a legal requirement to obtain an Errors and Omissions Insurance policy?

No. However, it is highly recommended in order to protect the notary public from costly lawsuits that could result from unintentional mistake made in the execution of a notarization.

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Does my Errors and Omissions policy also pay for my attorney’s fees?

Most Errors and Omissions policies generally cover attorney’s fees and other defense costs.

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Will my Errors and Omissions policy assist me in the lawsuit pending against me for notarizing a document without the signer being present?

E&O policies do not generally cover improper notarial acts that were dishonest, fraudulent, illegal, criminal, malicious, libelous, or slanderous.

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How much does it cost to obtain an Errors and Omissions Insurance policy?

Coverage limits for E&O policies generally vary from $10,000 to $100,000.

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If my Errors and Omissions policy assists me against allegations of official misconduct, will I have to reimburse the costs for my legal defense?

Notaries are not required to reimburse Errors and Omissions Insurance companies for any money paid out.

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Where can I purchase an Errors and Omissions Insurance policy?

An Errors and Omissions Insurance policy may be purchased from various insurance or bonding companies.

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Legal disclaimer: The information provided on this page is for general informational purposes only and should not be relied upon as legal advice. We do not claim to be attorneys and we do not guarantee the accuracy, completeness, or reliability of the information provided. You should always seek the advice of a licensed attorney for any legal matters. It is your responsibility to know the appropriate notary laws governing your state. In no event shall the American Association of Notaries, its employees, or contractors be liable to you for any claims, penalties, losses, damages, or expenses, howsoever arising, including, and without limitation, direct or indirect loss, or consequential loss, out of or in connection with the use of the information contained on any of the American Association of Notaries website pages. Notaries are advised to seek the advice of their state’s notary authorities or attorneys if they have legal questions.