Trade insurance
Insurance for notaries.
Errors & omissions protects the notary's personal liability; signing services and title companies routinely require E&O (often $25k–$100k) before assigning work.
Updated 2026-05-16 · Beaconcover editorial§ 01
Why this matters
What can go wrong on the job.
- Notarial errors. Improper acknowledgment causing client loss
- Failure to verify identity. Fraud-enabling mistakes
- Loan-document handling errors. Signing-agent mistakes on closings
§ 02
Required vs recommended
What contracts require, and what's worth adding.
§ 03
Typical premium ranges
What it tends to cost.
- Professional liability: $495 avg / year[Q]Insureon
Figures are reported averages, not quotes. Actual premiums vary by state, revenue, payroll, and underwriting.
§ 04
Common gaps
Where this coverage trips people up.
A notary bond protects the public, not the notary — E&O protects the notary
Signing services often specify a minimum E&O amount
Background-screening (e.g., NNA) is a separate requirement, not insurance
§ 05
Before you bind
Questions to ask any carrier for notaries.
- Does the quote include the lines listed above as typically required?
- What does a certificate of insurance cost and how fast can the carrier issue one?
- How is workers' compensation rated for this trade — by payroll or by class code?
- Is there a separate deductible for tools and equipment in transit between sites?
- If a client requires an additional-insured endorsement, is there a fee?