Errors and omissions (E&O) is a type of professional liability insurance. It protects you, the notary public, from claims made against your bond. Defending yourself against a claim — especially if you're found liable for a customer's financial loss — could be expensive. Can you afford a lawsuit? We recommend these policies for all notaries even if you think you can.
E&O insurance includes protection against:
E&O policies charge a one-time premium to cover out-of-pocket expenses related to judgments, attorney fees, court costs and settlements. The protection is based on the policy's coverage limit.
For example:
Your notary bond company informs you that a former client made a claim against you. The claim was settled out of court, and your bond provider paid the client $5,000. Per your bond agreement, you must now repay the $5,000.
If you do not have E&O insurance, you must pay that amount out of pocket. However, a $10,000 policy covers the surety bond payback.
Get protection for the full term of your Commission.
You're in the right place if you're looking for insurance carriers offering E&O coverage. We have affordable E&O insurance policies underwritten by the Travelers Indemnity Company. There is no deductible or loss repayment.
Our diverse coverage options fit any budget. Premiums start at $40 for $10,000 of coverage. Policies last as long as your four-year commission term.
You can pick a policy based on what you think you'll need, but we recommend choosing one that triples California's $15,000 bond limit.
State-required bonds don't protect notaries. They protect the public from financial loss caused by notarization mistakes.
If someone makes a claim against your $15,000 bond and it's deemed legitimate, the bond provider pays the claimant. Then, the provider will likely demand repayment from you.
If a valid claim is made against your bond and you need to defend yourself in court or repay a surety bond, here are tips for filing an E&O claim:
We offer protection for California notaries. Purchase notary E&O insurance in California before someone files a claim against your bond. Ensure your financial protection today.
