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Hotline Tip: The Difference Between A Surety Bond And E&O Insurance

New Hotline Resized 3Many people are confused over the differences between surety bonds and errors and omissions insurance. For Notaries, the differences are crucial.

Many states require Notaries to purchase a surety bond to protect their signers. A surety bond is a financial guarantee that a person who loses money because of a Notary’s misconduct or fraud will be reimbursed up to the bond’s limit.

A surety bond does not protect the Notary. If damages are paid to a signer out of a surety bond, the Notary is required to pay back the amount to the bonding company.

E&O insurance is designed to protect Notaries from liability. If a claim is made against a Notary, the E&O policy typically pays legal fees and losses up to the limit of the policy. You do not have to reimburse the insurance company for any costs incurred by a claim.

Unlike a Notary bond, E&O insurance covers negligent errors and omissions only; it does not cover criminal acts or frauds.

Regardless of your state’s bond requirements, it’s always a good idea to have an E&O policy because a claim can be made against you even if you have done nothing wrong.

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yesenia c amador

21 Sep 2015

I, need a bond for errors and omission bond, cover 2,000,000 for P & C, Life and Health insurance

National Notary Association

21 Sep 2015

Hello. Please be aware that E&O insurance is not the same as a surety bond. A surety bond protects signers from possible negligence by the Notary and must be paid back by the Notary if paid out. A Notary E&O policy protects you should you make an unintentional error or omission when notarizing that financially harms the public. The NNA does not offer life or health insurance policies. If you are interested in obtaining a surety bond or E&O from the NNA, please call 1-800-USNOTARY for assistance.

18 Oct 2015

My state requires a notary surety bond. I purchased E&O. Does this mean my "bond" is included in my E&O. I tried purchasing both, but was refunded for the bond. I'm trying to make sure my legal requirement of having a bond is included in the E&O coverage. (Both show the same amount total of protection)

National Notary Association

20 Oct 2015

Hello. A surety bond is not the same thing as E&O insurance. If you purchased E&O through the NNA and have questions about your purchase, please contact our Customer Care team at 1-800-876-6827 for assistance.

E whiteside

12 Jan 2018

Resources for purchasing a surety bond, and order to file number 23014 notary commission.

National Notary Association

12 Jan 2018

Hello. We weren't clear from your comment if you needed assistance with your bond and Notary commission, but if so, please contact our Customer Care team directly at and they will be happy to assist you.


27 Oct 2018

Both the surety bond and E&O. Are they to be paid monthly?

National Notary Association

01 Nov 2018

Hello. Normally neither is paid monthly; however you may want to contact our Customer Care team at 1-800-876-6827 for more information.


13 May 2021

So technically if as a new notary for a particular state only asks for a “surety bond” one would need to purchase both a surety AND E&O insurance?

National Notary Association

19 May 2021

Hello. Surety bonds protect signers, and some states require Notaries to obtain a surety bond. However, a surety bond does not protect a Notary against liability or financial damages. If a Notary wishes coverage against liability, the Notary should purchase an appropriate E&O policy.

Marissa Ruiz

08 Jan 2022

Will my E&O purchased through NNA be enough to file with my commission or is the assurity bond also needed. I'm a new notary and all the E & O and assurity bond back and forth is confusing.

National Notary Association

10 Jan 2022

Hello. Surety bonds and E&O insurance are not the same. If your state requires you to obtain a surety bond, you will need to obtain that separately from your E&O.

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