Florida notary insurance

Florida notary insurance — E&O and general liability

Florida sets its standard notary bond at $7,500, but that number changes completely if you notarize remotely — a Florida RON commission asks for a $25,000 bond and $25,000 of E&O, not the standard figure.

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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 Florida require a notary bond?

Yes. Florida requires a $7,500 notary surety bond, covering a four years commission term. It's issued through the Governor of Florida.

See the full Florida bond requirements

Is E&O insurance required in Florida?

For a standard, in-person Florida notary, E&O is optional — the $7,500 bond is the only state requirement. That changes for remote online notaries, where Florida requires $25,000 of E&O alongside the $25,000 bond, not just the bond alone.

What Florida notaries usually ask about

Worth knowing

The commonly advertised "$7,500 bond plus $10,000 E&O" package is a carrier's retail bundle, not a state requirement — don't confuse a product bundle with what Florida actually mandates.

Worth knowing

Remote online notaries face a materially higher bar: $25,000 bond and $25,000 E&O, both required, not optional. If you're applying for RON in Florida, the standard $7,500 figure doesn't apply to you.

Worth knowing

Florida's bond and application both run through the state's notary application system, tied to your four-year commission term.

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 Florida 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 Florida price

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

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Common questions

How much is the Florida notary bond?

$7,500 for a standard, in-person notary commission, covering a four-year term. Remote online notaries face a different requirement — $25,000.

Is E&O insurance required for a Florida notary?

Not for a standard, in-person notary — only the $7,500 bond is required. Remote online notaries are the exception: Florida requires $25,000 of E&O alongside a $25,000 bond for RON commissions.

What's different about becoming a Florida remote online notary?

The bond and E&O requirement both jump to $25,000 each, well above the $7,500 standard bond. If you're planning to offer RON in Florida, budget for the higher figures from the start.