As a PA Notary, your commission is your credential—but your protection is your power. Whether you’re brand new or already serving clients, understanding the difference between your surety bond, business insurance, and Errors & Omissions (E&O) coverage is what separates casual notaries from true professionals.
This post breaks down what each policy does, what’s required by law, and what you need to protect your career and income long-term.
1. What Is a PA Notary Bond—and Why Is It Required?
Every commissioned PA Notary is required to purchase a $10,000 surety bond before taking the oath of office. This bond protects the public—not you—if you make a mistake or commit misconduct.
- Required by the PA Department of State
- Must be filed with your notary paperwork
- Must match the name on your commission exactly
- Cost: ~$50 for a 4-year term
🔥 Hot Tip: Your bond doesn’t protect YOU—it protects your client. If a claim is made and paid out, you’re on the hook to repay the bond company.
2. What Is Notary E&O Insurance—and Why You Need It
Errors and Omissions (E&O) Insurance is like malpractice insurance for notaries. It protects you in case you make an honest mistake that leads to financial loss for your client.
E&O covers:
- Missed signatures
- Incorrect notarial certificates
- Unintentional errors in process
It does not cover:
- Fraud
- Criminal acts
- Violations of law
Coverage typically ranges from $10,000–$100,000 depending on your volume.
🔥 Hot Tip: E&O is not required by the state—but many title companies won’t hire you without it. If you want loan signing work, this is a must.
3. What About Business Liability or General Insurance?
If you operate under an LLC or as a mobile notary with employees, it’s wise to consider a general business policy or rider to protect against:
- Trip and fall injuries at your office or client site
- Damaged or lost client documents
- Cybersecurity issues (especially if storing client data)
🔥 Hot Tip: If you’re renting office space or opening a tag agency, a landlord may require you to carry general liability coverage.
4. How to Purchase the Right Coverage Without Overpaying
Many E&O and bond packages are bundled together. But not all are compliant or state-approved. Here’s how to shop smart:
- Use a provider approved by the PA Department of State
- Look for bundling options that include the $10,000 bond + E&O
- Confirm the bond provider will file the paperwork electronically
You can get bond + basic E&O for around $75–$150 in most cases.
🔥 Hot Tip: If you’re enrolled in our course, we guide you to vetted, PA-approved providers who file instantly and help avoid delays.
📅 Want the Full Commission Checklist?
Download your copy of the PA Notary Appointment Guide—our signature 7-step roadmap for getting commissioned, bonded, and revenue-ready fast.
The PA Notary Takes You From Notary Commission To Cashflowing Career.
