What is Notary Errors & Omissions Insurance?

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Why Do You Need Errors & Omissions Insurance?

As a Notary Public, you are deemed a professional for whom people rely on being impartial and make accurate representations. You verify that whoever is to be signing a document is the actual person. Unfortunately, mistakes can happen. These mistakes can have an impact on the people for whom you have provided your professional services. In the litigious society we live in, these means that it is almost inevitable that you will be sued.

You should have Errors & Omissions insurance for precisely that...your potential errors and omissions. Perhaps you accidentally violated a law and notarized something you shouldn't have; maybe your notarization caused undue harm that you did not realize would happen, or any other error or omission you make can be impactful and cause some legal action against you. Protect yourself by purchasing this type of coverage.

Is a Notary Bond Enough?

While you should have one in your profession, a Notary Bond protects the public more than you. It is designed to provide funds to your client if you make a mistake. Of course, you do everything you can to make sure you don't make mistakes, but you are human, and the possibility is there. Since the Notary Bond protects the client and not you, it is critical that you purchase E&O insurance for yourself.

What is Notary Errors & Omissions Insurance?

Notary E&O insurance is a type of Professional Liability insurance to protect you from any errors or omissions you may unintentionally make while performing your profession. It will keep you from losing all of your possessions in case a lawsuit does arise, and you are unable to pay to defend yourself, or for any damages awarded by the courts.

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What is Covered Under This Insurance?

Notary E&O has standard coverages with all insurance companies.

  • __ Judgments__ - Coverage to pay the person who sues you if the court determines that you committed an error or omission within the course of your professional services.
  • Defense Costs - Even if you are found not guilty, there will be lawyer fees, court fees, and other miscellaneous legal fees that can really hurt your wallet. This is a critical coverage to have if you are sued as a Notary.
  • Settlements - Sometimes, these things can be settled out of court, and this also does not have to come out of your pocket. Notary E&O insurance will provide this for you.

Being trusted with vital documents such as car titles, mortgage paperwork, custody agreements, and even powers of attorney can be a great feeling. Sadly, this great feeling can fade quickly if you unintentionally make a mistake and are drug to court because of it. Be sure to purchase Notary Errors & Omissions insurance to keep your Notary business going and your wallet full.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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