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Who needs notary insurance?
Notaries, who serve the public as impartial witnesses to the signing of important documents so as to avoid fraudulent activity, should have E&O and general liability insurance. Issues can arise when working with clients, or if there is an accident or a data breach. Obtaining insurance for notaries is a great way to protect yourself while continuing to provide beneficial services to your clients. This is particularly true if you work privately or own a small business.
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Policies available for notaries
For most notaries, there are three main types of insurance policies that will be worth considering, each of which provides its own unique aspects of protection to assist you in running your business smoothly and effectively.
Errors and omissions insurance for notaries
Errors and omissions (E&O) insurance provides a number of benefits, including coverage for personal injury (libel and slander, for example), defense costs, negligence and also claims against past-rendered services. Though claims such as fraudulent acts, bodily injury and property damage usually aren't covered by notary liability insurance, this type of insurance is very important for professionals who regularly provide services or advice to clients, including notaries.
Here’s an example. A client comes to a notary to have an important document notarized for their mortgage application. The notary inadvertently uses an old stamp to notarize the document, and the document is refused by the mortgage company. By the time the notary can notarize the document with the correct stamp, the interest rate has risen, and the client sues the notary for the error. A professional liability insurance policy would protect the notary, paying their defense costs and any settlement.
Should a client react negatively to your work as a notary, accuse you of breaching a confidentiality agreement or otherwise feel as if they or their business have been damaged in some way by the services you provide, they may choose to sue you or your business. Potential issues for notaries can come in a number of different forms. One way to protect yourself is by getting errors and omissions insurance.
General liability insurance for notaries
While notaries can benefit from having a errors and omissions insurance policy, there are some scenarios that aren't usually covered under this form of insurance. General Liability—also called commercial general liability (CGL)—covers notaries against property damage, claims of bodily injury and associated medical costs.
For example, if a client comes to a notary’s office and trips and falls, sustaining an injury, the notary’s general liability policy would cover the client’s medical expenses and lost wages.
Though your property won't typically be covered under general liability insurance, damage sustained to third-party property will be.
Business owners policy (BOP) for notaries
For some, a business owners policy (BOP) may make sense. A BOP is a combination of general liability and business property insurance typically used to provide coverage to small businesses with the aim of protecting valuable equipment.
Here’s an example. A notary rents a desk at a shared workspace. One night, the workplace catches fire, and there is smoke and water damage to the notary’s computer. A business owners policy would cover the cost the replace the equipment, getting the jeweler back to business quickly.
Why do notaries choose Hiscox?
At Hiscox, we understand just how much work goes into being a notary public. Whether you've opened your own business or are working in a different capacity, we can help you grow your career by reducing risk with our notaries insurance policies, allowing you to focus on what really matters—providing exceptional services to the public.
Here are six reasons why notaries choose Hiscox above other providers for professional liability insurance and general liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our architects insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with notary public insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.