Notary Insurance: Cost & Quotes From $45/mo

Table of contents

According to the National Notary Association’s census, there are 4.4 million notaries in the US. An essential part of the notary business to consider is notaries insurance. Similar to a law firm, your business can face lawsuits from disgruntled customers whose documents were lost by employees or who received poor outputs. In this article, we will examine some of the components you can use to create your own notary public insurance package.

General Liability Insurance for Notaries

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


Notary business insurance commonly includes general liability coverage. This coverage protects your business against third-party claims of injury and property damage. Situations, where this coverage is used, include:

  • A customer injures themselves while in your notary office and sues for medical costs

  • During the course of your notary business, you cause damage to a customer’s property and need to replace it

Add-Ons of General Liability Insurance for Notaries

You can further customize your notary insurance policy through the use of add-ons or endorsements.

  • Tools and equipment insurance–Covers the cost to repair or replace tools or equipment that you use in your notary business

  • Hired and non-owned auto insurance–Protects vehicles not owned by the business when they get into an accident while being used commercially

  • Excessive liability–Extends the amount of coverage you have on an existing general liability insurance policy

Coverage Limits of General Liability Insurance for Notaries

Your notary general liability insurance policy will generally have a $1 million per occurrence limit and as well as a $2 million aggregate limit over the duration of your policy.

Can My Notary Employees Get Protected for Workplace Injuries With a General Liability Policy?

No. General liability insurance will not cover injuries or illnesses that are sustained on the job. To get coverage for these incidents, you would need to buy a workers’ compensation policy.


Can My General Liability Policy Help Protect My Notary Business Against Social Media Liabilities and Risks?

Yes, a common part of general liability insurance will give you advertising injury coverage. This will protect you against lawsuits you receive based on any libel, slander, or copyright infringement, which includes social media posts.


Errors and Omissions Insurance for Notaries

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


The best e&o insurance for notary public businesses will protect you from mistakes, negligence, and oversights that happen during the course of business. Examples of situations include:

  • You make a mistake when notarizing a document that causes a client to lose money

  • An oversight in your notary business causes you to need to pay for a lawyer to defend your business in court

Add-Ons of Errors and Omissions Insurance for Notaries

  • Additional insured–Extends your errors and omission coverage for people or organizations not covered on the original policy

  • Extended reporting coverage–If you have a claims-made errors and omissions insurance policy, this lets you file claims outside the usual policy window

Coverage Limits of Errors and Omissions Insurance for Notaries

Errors and Omissions insurance coverage will range between $250,000 and $2 million. Typically you will find a $1 million per occurrence limit and a $1 million aggregate limit for your notary business insurance.


Will My Errors and Omissions Insurance for My Notary Business Cover Even Frivolous Lawsuits or Ones That Don’t Go to Court?

Yes, errors and omissions insurance covers the majority of legal expenses that you incur, even if your lawsuit never gets to trial. In fact, the majority of lawsuits never make it to court. 

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Commercial Property Insurance for Notaries  

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance protects your notary offices and personal business property contained within it from physical damage. Some situations to use this insurance include:

  • A fire starts suddenly near your notary office and causes significant damage to the building and contents inside

  • Your business gets attacked by a smash-and-grab thief who steals some of your notary equipment

Add-Ons of Commercial Property Insurance for Notaries

  • Business interruption–Helps you recover from a covered event by supplementing lost income, paying loans, and relocation costs for your notary business

  • Equipment breakdown–Your notary business equipment can be covered from damage caused by mechanical breakdown and power surges

  • Outdoor signs–Includes damage to things like signs outside your business in the scope of coverage for your notary building

Coverage Limits of Commercial Property Insurance for Notaries

Property insurance will typically cover your building for $50,000 and your business contents for $50,000. Higher limits and lower limits are available and will depend on the provider.


Will My Commercial Property Insurance Cover All Weather Events That Happen to My Notary Business?

No, many policies will specifically exclude some types of perils. For example, earthquakes are typically excluded because of the damage it causes. Also, if you live in an area that regularly experiences hurricanes, you made need to add hurricane coverage to your policy. You will also need to buy a separate policy for flood damage.


Business Owner’s Policy for Notaries

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


Business owner’s policy is an insurance policy for your notary business that combines the coverage of commercial property with general liability. Examples include:

  • A member of the public wanders onto your notary building property and trips and falls

  • Your business property becomes the victim of a vandal who smashes your windows and spray paints the facade of your building

Add-Ons of Business Owner’s Policy for Notaries

  • Flood insurance–If you live in an area where flooding is a risk, you will want to add on flood insurance to your BOP

  • Cyber liability–Allows you to protect your business against the costs related to cyber attacks, data breaches, and phishing emails

Coverage Limits of Business Owner’s Policy for Notaries

Business owners’ policy for notaries will typically have a coverage limit between $1 million and $2 million and a commercial property coverage limit of $25,000 to $50,000.


A man sitting at a table with a pen pointing at a piece of paper, possibly related to notaries or insurance.


Tools and Equipment Insurance for Notaries 

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance protects the items you use in your notary business if they get suddenly damaged in a covered event like weather or theft. Use this to protect your notary seal and office equipment.


Add-Ons of Tools and Equipment Insurance for Notaries

  • Inland marine–Protects your tools if they are stored in another place besides your business premises and when they are transported over the land

  • Equipment breakdown–Allows your tools and equipment to get covered against mechanical failure, electricity surges, and more

Coverage Limits of Tools and Equipment Insurance for Notaries

Your notary tools and equipment insurance will cover between $5,000 and $10,000 in damage.


Can I Get the Tools Covered That I Borrow From Someone Else?

Yes, some insurers offer protection for borrowed gear that you use if it gets damaged or stolen in a covered event.

Workers’ Compensation Insurance for Notaries

Workers’ compensation insurance will protect your notary employees in cases where they are injured on the job. This policy can provide them with a replacement for wages, medical treatments, and disability benefits. Example situations will include:

  • One of your notary employees develops chronic leg pain

  • An employee tries to organize their desk but trips and injures their back

Add-Ons of Workers’ Compensation Insurance for Notaries

  • Employer’s liability coverage–This add-on may be automatically already be included in your workers’ comp insurance. It protects when employees sue you for negligence in connected with their work-related injuries or illnesses

  • Occupational accident–A similar policy to workers comp that is generally not mandatory to purchase for your notary company. These policies are generally less expensive than workers comp and can cover independent contractors

Excess Liability Insurance for Notaries

Excess liability insurance is a supplementary insurance policy that can extend the coverage of an already existing insurance policy. Some times to use this policy are listed below. 

  • Your general liability policy only covers $1 million, but you need to cover a total of $1.5 million

  • An errors and omission insurance policy you have for your notary business runs out of coverage before the policy period is over

Coverage Limits of Excess Liability Insurance for Notaries

Excess liability insurance can increase your coverage limit up to $25 million, depending on your insurer and the policy you select to increase.


What is an Advantage of Getting Excess Liability Insurance for My Notary Business?

Excess liability insurance offers excellent value for the coverage you are buying. Insurers will sometimes make you buy a higher coverage limit for your policy before they allow you to purchase excess liability.


Cyber Liability Insurance for Notaries

Cyber liability insurance will cover the costs to your notary business that stem from data breaches and cyber attacks. Some situations to use this policy include:

  • After a data breach, you need to pay expensive costs to notify all the customers whose data has been stolen

  • You need to expend extra resources to manage your reputation after a cyber attack

Add-Ons of Cyber Liability Insurance for Notaries

  • Cyber extortion–Helps compensate you for costs that may occur when data is held hostage and you have to pay a ransom

  • Digital media–A coverage add-on that covers online content claims related to privacy, defamation, and copyright infringement

Coverage Limits of Cyber Liability Insurance for Notaries

Cyber liability insurance for your notary business will generally have a $1 million per occurrence limit and a $1 million aggregate limit. You can purchase higher limits of $5 million or more.


Are Intentional Acts Covered Under a Notary Cyber Liability Insurance Policy?

No, your notary cyber liability policy will often not cover claims of fraud, dishonesty, and wrongful business acts that cause your company damage.


Commercial Auto Insurance for Notaries

Commercial auto insurance covers the risk associated with using a vehicle for commercial purposes. You can use this policy to cover the cost of medical treatment for third parties you injured in a vehicular accident. Insurance companies also design a commercial auto policy to cover vehicle repairs in case of damage caused by collisions, fire, theft, vandalism, and other covered perils. 


Coverage Limits of Commercial Auto Insurance for Notaries

Commercial auto insurance provides a minimum auto liability coverage limit of $25,000 per bodily injury, $50,000 per accident, and $15,000 per property damage.

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Notary Public Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $39 $468 $0-$500
Professional liability insurance $43 $516 $500-$1,000
Cyber liability insurance $57 $684 $500-$1,000
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $89 $1,068 $1,500
Commercial auto insurance $55 $660 $500-$1,000
Tools and equipment insurance $46 $552 $500-$1,000
Workers compensation insurance $93 $1,116 $2,000-$5,000


The average notary public insurance cost is $39 per month or $468 per year for a $1 million general liability insurance. E&O insurance for notary cost will be $43 per month or $516 per year for a $1 million worth of coverage. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, number of employees, annual revenues, and location. Here’s a table showing the cost of a $1 million general liability insurance from the best companies:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for notary public
The Hartford $29 $348 Notary errors and omissions insurance
CoverWallet $30 $360 Comparing notary insurance quotes online
Tivly $27 $324 Comparing notary insurance quotes over the phone
Thimble $35 $420 On-demand coverage for tour operators
Hiscox $37 $444 Notary public insurance with worldwide coverage

Compare Cheap Notaries Insurance Quotes Online

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Best Notary Insurance Companies

Here are some of the companies you might want to work with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Notary Insurance

Pros 

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for notaries

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT has a guide to help you understand their notary insurance selection. They offer a fast way to get coverage and less than 10 minutes. The company offers a 10% discount when bundling business insurance you want, like general liability, errors and omission, and workers’ compensation. NEXT was rated with an A- from AM Best for its financial strength and has a B+ score with the Better Business Bureau.

Best for: Best overall; Fastest general liability insurance for notary public

Average cost: $25 per month 

Our rating: 10/10 


The Hartford Notary Insurance

Pros

  • Extensive small business experience

  • Easy claim tracking

  • Renowned company for workers compensation insurance

Cons

  • Limited add-ons to general liability insurance

The Hartford is an insurance company with 211 years of experience in the industry. They offer an outstanding notary errors and omissions insurance in addition to other critical policies. The company has an A- rating from AM Best and had over $11 billion in direct premiums in 2022.

Best for: Notary errors and omissions insurance

Average cost: $29 per month

Our rating: 10/10 


CoverWallet Notary Insurance

Pros

  • Compare quotes online 

  • HNOA coverage included in general liability insurance

  • Easy online policy management

  • A+ rating from the Better Business Bureau

Cons

  • Not an insurance company but an insurance broker

CoverWallet an excellent selection of partners that offer a wide variety of policies that you notary business needs. You can get general liability, cyber liability, commercial property, workers’ compensation, and more. Their E&O insurance covers judgments, defense costs, and settlements that your notary business might be required to pay.

Best for: Comparing notary insurance quotes online 

Average cost: $30 per month 

Our rating: 10/10 


Tivly Notary Insurance

Pros

  • Over 200 partners to choose from

  • Compare quotes over the phone

  • Will hook you up with the best insurance company that best matches your risk profile

Cons

  • You need to call to get a quote

Tivly focuses on combining tech solutions and insurance to help you select the perfect notary policy from over 200 partners. They have been in the insurance game for 20 years and help you get connected with insurance partners that can craft the perfect notary insurance policy. Call now to compare quotes over the phone. 

Best for: Comparing notary insurance quotes over the phone

Average cost: $33 per month 

Our rating: 10/10 


Thimble Notary Insurance

Pros

  • Numerous add-ons to general liability insurance

  • You can purchase errors and omissions insurance as an add-on to general liability insurance

  • Quickly issues an estimate of your rates

Cons

  • You can’t reach customer service by calling

Thimble’s advantage over its competitors is how accessible it is to new insurance buyers. You can get coverage quickly and easily. They have an insurance glossary available for new buyers to understand key insurance terms.

Best for: Short-term general liability insurance for notaries

Average cost: $35 per month 

Our rating: 10/10 


Hiscox Notary Insurance

Pros

  • Offers comprehensive cyber security insurance

  • Flexible payment options

  • Worldwide coverage

  • 14-day money-back guarantee

Cons

  • Online quoting may not be available all the time due to periodic site maintenance

Hiscox offers policies for notaries that include general liability, business owner’s policy, errors and omissions insurance, and more. They have an A rating from AM Best and have a high customer service rating. You can also get worldwide coverage which can help if you do work outside the US.

Best for: Notary public insurance with worldwide coverage

Average cost: $37 per month 

Our rating: 10/10 

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