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Frequently Asked Questions about California Notary Bonds and Insurance




1. Why do I need a notary bond?
2. What is the difference between a notary bond and a notary errors and omissions policy?
3. What should I buy?
4. Why Travelers?
5. If I don't purchase insurance now, can I add it later?
6. If I purchase insurance now, can I increase my limit later?
7. Can I buy any other surety bonds from you?
8. Where can I get more notary supplies?
9. How are you related to NotaryClasses.com?
10. How can I keep from getting sued?
11. I already have general liability insurance. Won't that protect me?

1. Why do I need a notary bond?


You are required by California law to file a $15,000 notary surety bond with your county when you take your oath. The bond protects the public from you.

2. What is the difference between a notary bond and a notary errors and omissions policy?


A notary surety bond is a type of financial obligation that exists to protect the public from harm that you may cause in your role as a public servant. There are three parties to a surety contract:

If you harm the public, a claim can be made on the bond. The surety will pay the claim up to the bond penalty amount ($15,000), then they will attempt to recover what they have paid from you. In this way, a bond is a little bit like a credit card; the surety will pay for your purchases (claims), but then you need to pay the bill.

A notary errors and omissions insurance policy helps protects you from a) Claims made on the bond, and b) Lawsuits that are brought against you. Subject to policy limits and provisions, the E&O policy will provide a legal defense and/or pay damages to third parties, including reimbursement for money paid by the surety in connection with your bond.

In California, the notary bond is required. The errors and omissions policy is optional, but strongly recommended.

3. What should I buy?


Ultimately, it's up to you. But once you understand the difference between a bond and a notary E&O policy, the choice should be clear: purchase a bond, because it's required, and purchase as much E&O insurance as you can reasonably afford based on the volume and type of work you do.

4-year $15,000 Bond + 4-yr $100,000 E&O Coverage Best Value & Most Protection

4-year $15,000 Bond + 4-yr $25,000 E&O Coverage

4-year $15,000 Bond + 4-yr $15,000 E&O Coverage


4. Why Travelers?


Travelers has a very strong financial stability rating, combined with great notary errors and omissions insurance rates in California. Merchants Bonding and CNA Surety are also good choices. If you would like to go with one of those companies, please contact us.

5. If I don't purchase insurance now, can I add it later?


Sort of. You will never be able to get back-dated insurance (for example, purchasing in the future for coverage beginning today), but we can sell you an E&O policy in the future to begin on a future date. Note that the policy will probably be more expensive than the Travelers policies, so please consider purchasing something now if you believe you will ever need more professional liability insurance.

6. If I purchase insurance now, can I increase my limit later?


Yes, for a while, anyway. But it's much better to purchase the amount you feel you may need in the future now.

7. Can I buy any other surety bonds from you?


Sure! We also sell tax preparer bonds, immigration consultant bonds, lost title bonds, motor vehicle dealer bonds, and many more! Please contact us about your specific bonding needs.

8. Where can I get more notary supplies?


Check out NotaryClasses.com for the Modern Journal of Notarial Events, AccuPrint print pads, and more!

9. How are you related to NotaryClasses.com?


We are not formally related, but we do have an informal business relationship. We specialize in bonds and insurance and make the referrals we receive from NotaryClasses.com a priority. NotaryClasses.com is one of the leading notary education providers in California. They also sell notary supplies.

10. How can I keep from getting sued?


In short, follow the law: require personal appearance, properly verify identity, properly execute all notarial certificates, and keep accurate records in your notary journal.

11. I already have general liability insurance. Won't that protect me?


For the most part, general liability insurance protects your clients from physical injury and injury to their reputation that you may cause through defamation. These types of personal injuries are not the same as professional injuries you may cause through errors or omissions. For that, you need a professional liability or errors and omissions insurance policy. In most cases, other professional liability policies will not cover your notarial mistakes.



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