Michigan Notary Public E&O Individual Policy
Overview
Get your Michigan notary commission off to a strong start with an Errors & Omissions policy built specifically for individual notaries public. This optional coverage protects you — the notary — against claims arising from honest mistakes, oversights, or unintentional errors made while performing notarial acts. Unlike the surety bond Michigan requires you to file, an E&O policy is your personal financial safety net and is entirely voluntary. Many Michigan notaries choose to pair it with their required notary bond so they are covered on both fronts.
Who Needs This Policy?
Any Michigan notary public — newly commissioned or renewing — who wants protection against the personal financial risk of clerical errors, missed steps, or unintentional mistakes in their notarial work will benefit from this policy. A surety bond protects the public from your errors; it does not protect your wallet. This individual E&O policy fills exactly that gap, covering your defense costs and any damages assessed against you personally for covered errors. It is especially popular among mobile notaries, signing agents, and those performing remote online notarizations.
What is this Policy For?
Michigan notaries handle legally significant documents every day — deeds, loan closings, affidavits, powers of attorney. An honest mistake on any of them can generate a claim against you personally. This optional E&O policy responds to those claims, covering your legal defense and any covered settlement or judgment up to your policy limit. It is designed for individual Michigan notaries acting in their commissioned capacity, not for notary signing agent businesses or employer-sponsored programs.
When is it Required?
No U.S. state, including Michigan, requires notaries to carry an E&O policy — it is entirely voluntary coverage that you can purchase anytime before, during, or at renewal of your Michigan notary commission term. Michigan does require notaries to obtain a surety bond as part of the commissioning process, but the E&O policy is a separate, optional product. That said, many signing services, title companies, and lenders in Michigan ask notaries to show proof of individual E&O coverage before accepting assignments, making it a smart addition to your professional toolkit. Obtaining this policy at any point during your commission term is straightforward and takes only minutes online.
Where Does it Apply?
This is a statewide Michigan policy covering notarial acts performed anywhere within the state of Michigan by an individually commissioned Michigan notary public. It is not county-specific — your coverage follows your commission. If you perform notarial acts in multiple Michigan counties, this single policy covers all of them.
How to Buy Online
Click 'Buy This Bond Online' and you will be taken directly to the secure surety portal in a new tab, where you can complete your application and purchase your Michigan notary E&O policy in minutes. No agent callback required, no paperwork to mail in. Your proof of coverage is available immediately upon purchase.
Why Bond Titan?
Bond Titan is powered by The Southern Agency, a trusted name in surety and bond products with a nationwide catalog built for fast online access. You get the optional E&O coverage you want today — not after waiting on hold or for an email reply. We make it simple for Michigan notaries to get bonded, covered, and commissioned without delay.