Cover Smart

Insurance for Notaries

Are you an individual notary looking for business insurance? We're ready to help.

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Notaries witness document signatures, administer oaths, and prepare various contracts. These detailed scenarios require focus, and we want to make sure you and your integrity are protected.


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General liability, professional liability, property, and data security.
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General Liability

If someone is injured from tripping over your bag while you are notarizing a document, they can bring a lawsuit against you. General liability will cover both the lawsuit and the medical expenses.

Professional Liability

If your client accuses you of notarizing a forgery, whether intentional or not, they can pull you into a lawsuit. Professional liability can cover both the legal fees and potential damages of the claim.

Business Personal Property

If the property used for your business is damaged in a fire or stolen, you can be covered for its replacement.

Data Security

If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing. Cyber liability can cover the costs and guide you through the process.

Coverage is based on the terms, conditions, limitations, and exclusions of your policy.
Be sure to read  your policy to verify your coverage.

Best Practices Resources

Our best practices are a practical guide to help you avoid unnecessary claims.

Keep a log of all notarial acts - A record can aid if you need to testify in court or prove that you were compliant when notarizing. Remember to make note of special circumstances and store your records for at least five years.

Stay disciplined with the basics - Always ensure that the signer is present before notarizing and that they provide the appropriate evidence for identification. It is common for employee notaries to be presented with documents that have been already signed or unsigned documents to be notarized. Living by the basics can help you avoid claims.

Do not notarize documents that you know to contain false content - As relationships are built with clients, you might face pressure to notarize documents that you do not feel comfortable notarizing. You may be asked to testify about these documents at some point in the future and your reputation and license might be on the line.

Do not allow another person to notarize on your behalf - An individual can be charged with a misdemeanor or felony for impersonating a notary.

Do not notarize over webcam - With the growing popularity of video conferencing, a notary may be expected to notarize over a webcam. It is legally required that the notary be physically present in the same room when notarizing a document. The presence of a person on a screen does not qualify.

Communicate directly with the signer - Most states do not allow you to communicate to a signer through an interpreter or translator. Check the requirements of the state where you conduct business.

CoverSmart is the best way to buy business insurance.

CoverSmart is an online quoting platform to purchase insurance from one or more USLI companies. USLI companies are members of the Berkshire Hathaway family of companies and have an A++ Superior rating for financial stability from A.M. Best Company.