Texas notary insurance

Texas notary insurance — E&O and general liability

Texas notaries apply through the Secretary of State's online SOS Portal, and the $10,000 bond has to be filed on the state's own Form 2301-B — a generic bond certificate from your surety won't be accepted.

Start a Texas quote Texas notary bond

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 Texas require a notary bond?

Yes. Texas requires a $10,000 notary surety bond, covering a four years commission term. It's issued through the Texas Secretary of State.

See the full Texas bond requirements

Is E&O insurance required in Texas?

Texas doesn't require E&O insurance. The Secretary of State's own FAQ is explicit that an errors and omissions policy is not the same thing as the notary bond, and only the bond is mandatory. E&O is something you add on top, usually because a lender or title company asks for it.

What Texas notaries usually ask about

Worth knowing

The bond has to be filed on Form 2301-B, made payable to the governor. A bond certificate that isn't on this exact form gets rejected at the application step.

Worth knowing

The name on your bond has to match the name on your application exactly — a middle initial mismatch is a common reason applications bounce back.

Worth knowing

If you also want to notarize online (a Texas online notary commission), you don't need a second bond — the one you already hold as a traditional notary covers both.

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 Texas 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 Texas price

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

Individual notary Signing agency Texas notary bond

Common questions

Does Texas require notary E&O insurance?

No. Texas requires a $10,000 surety bond on Form 2301-B. The Secretary of State's own FAQ states directly that E&O insurance is not the same thing as the bond and isn't required by law.

What form does the Texas notary bond need to be on?

Form 2301-B, the Texas Notary Public Surety Bond. It has to be completed and signed by your surety company, then uploaded at the Bond step of the online SOS Portal application.

Do online notaries in Texas need a separate bond?

No. If you already hold a traditional Texas notary commission and bond, that same bond applies to an online notary commission too — you don't buy a second one.