Last Updated on August 15, 2025 by The Insurance Pros
Why Michigan Notaries Should Carry Errors & Omissions Insurance
Michigan law requires a $10,000 notary surety bond to protect the public, but that bond does not protect the notary. If a signer claims you made a mistake or were negligent, you could face legal defense costs or personal liability. That’s where Errors & Omissions (E&O) insurance comes in: it helps safeguard you and your business, complementing (not replacing) the required bond.
Bond vs. E&O: Key Differences for Michigan Notaries
- Notary Bond (required): Protects the public if a notarization causes financial harm. If a claim is paid, the surety can seek reimbursement from you.
- E&O Insurance (optional but recommended): Protects you by covering eligible defense costs and damages for unintentional errors or omissions.
What Notary E&O Insurance Typically Covers
- Unintentional mistakes (e.g., missed seals, wrong dates, incorrect acknowledgments).
- Allegations of negligence related to your notarial acts.
- Eligible legal defense costs, even if a claim is unfounded.
- Selected coverage for Remote Online Notarization (RON) workflows when included by the insurer.
Who Needs Notary E&O Most?
- High‑volume notaries and loan signing agents handling time‑sensitive, document‑heavy closings.
- Mobile and RON notaries working in varied environments or on digital platforms.
- New notaries seeking peace of mind can benefit from building processes and checklists.
How to Choose a Michigan Notary E&O Policy
- Match the term to your commission cycle (many prefer multiyears to save time).
- Select a limit that fits your risk profile (common limits range from $10,000 to $100,000+).
- Check RON compatibility if you notarize online (platforms may require proof of E&O).
- Confirm claims made vs. occurrence details, and know your notice requirements.
- Bundle smart: many providers let you buy the bond and E&O together for added convenience.
Michigan Compliance & Helpful Links
Review official commissioning steps and responsibilities on the Michigan Secretary of State site:
Michigan Secretary of State – Notary.
Do you need a bond, or would you like to compare coverage options? See our related guides:
Michigan Notary Bond & Insurance Guide and
Michigan Notary Bond Requirements & Application.
Quick Risk‑Reduction Tips
- Use a written checklist for every notarization (ID, journal entry, certificate wording).
- Keep a secure journal and store seals, stamps, and RON credentials safely.
- Decline any notarization that appears incomplete, coerced, or outside your authority.
- Document everything; accurate records help your defense and speed claim handling.
Ready to Protect Your Commission?
Adding E&O to your required bond is a practical way to protect your income and reputation. Compare options and get help matching your E&O limit to your workload.
