Arizona notary insurance

Arizona notary insurance — E&O and general liability

Arizona keeps its notary bond small — $5,000 — but asks you to buy it in duplicate, with the original going to the Secretary of State and a copy staying in your own files.

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This content is for general information only. It is not insurance advice, a quote, or an offer of coverage. Policy wording controls in all cases. Read the full disclaimer.

Does Arizona require a notary bond?

Yes. Arizona requires a $5,000 notary surety bond, covering a four years commission term. It's issued through the Arizona Secretary of State.

See the full Arizona bond requirements

Is E&O insurance required in Arizona?

Arizona doesn't require E&O insurance by law — only the $5,000 bond is mandatory. Retail bond products sold in Arizona are sometimes packaged with E&O coverage bundled in, but that's the carrier's packaging choice, not a state requirement.

What Arizona notaries usually ask about

Worth knowing

You buy the bond in duplicate: the original gets notarized and submitted with your application, and you keep the duplicate for your own records.

Worth knowing

The application and bond filing fee is $43.00, paid to the Secretary of State alongside your original bond and application.

Worth knowing

A bundled bond-plus-E&O product is common in Arizona's retail market, but the $5,000 bond by itself is all the state actually requires — the E&O portion is optional.

Types of coverage available

Professional liability (E&O)

Intended to address a claim that a mistake in your notarial work caused someone a financial loss. This is the policy most notary contracts ask for by name.

General liability

A separate policy, intended to address a claim of bodily injury or property damage — the kind of claim that can come from visiting a client's home or office, not from the notarization itself.

Cyber liability

Intended to address the cost of responding to a data breach if you store client documents, journals or photo ID electronically.

A Arizona notary bond is available too, alongside these — see the bond requirements above.

What it costs to start

These are starting figures based on minimum premiums in some states, not a quote. Your actual premium can move a lot from here — gross receipts, number of signings, your state, claims history, the limit you choose and other underwriting factors specific to your application all play a part. The only way to get a number you can rely on is to request a quote.

Individual notary E&O (professional liability)

$250–$400 a year

The limit you pick moves this the most. $1,000,000 is the limit most contracts ask for.

Stand-alone general liability, individual notary

$200–$400 a year

Covers a different kind of claim than E&O — bodily injury or property damage, not a notarization mistake.

Notary signing agency (E&O)

$650–$1,000 to start

Moves a lot from there. Gross receipts and how many notaries you send out both push this number around.

Crime insurance

$1,000–$1,500 a year

Employee dishonesty and theft, not a notarization error.

Cyber liability, stand-alone

$1,000–$1,500 a year

A separate policy from E&O — for a data breach, not a notarization mistake.

Workers compensation

Priced on payroll

There isn't a starting figure that means anything here. It's rated on your actual payroll, so it has to be quoted, not estimated.

Get your Arizona price

Tell us about your Arizona notary work. Professional liability is always quoted, and you can add general liability.

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Common questions

How much is the Arizona notary bond?

$5,000, covering a four-year commission term. It's filed with the Arizona Secretary of State along with your notary application.

Why do I need two copies of the bond in Arizona?

Arizona requires the bond in duplicate — the original, notarized, goes to the Secretary of State with your application, and you keep the second copy in your own records.

Does Arizona require E&O insurance for notaries?

No. Only the $5,000 bond is required by law. Some retail bond products bundle E&O coverage in with the bond, but that's a carrier packaging choice, not an Arizona requirement.