Notary and Notary Signing Agent Insurance in Tennessee

Common risks for notaries and signing agents

• Errors in notarizing documents
• Fraud by signers
• Lost documents
• Travel to signings
• Data breaches

Coverages notaries and signing agents often consider

• Professional liability (E&O) Covers claims that your advice, design, or professional service caused a client a financial loss.
• Surety bonds Guarantee you’ll meet license rules or finish a job. Some licenses and contracts require them.
• Cyber liability Helps respond to data breaches, ransomware, and payment fraud, including notifying customers.
• Hired and non-owned auto Liability for when you or employees drive personal or rented cars on business errands.

Not every business needs every coverage. The right mix depends on your work, your contracts, and your budget. All coverage is subject to underwriting and the terms of the policy.

What a claim could look like

For example, imagine a signer uses fake ID at a loan signing you notarize in Murfreesboro, and the lender later claims a loss. A claim like that may go to professional liability, depending on the facts and policy terms.

This is a hypothetical example for education only. Whether any claim is covered depends on the facts and your policy terms.

Tennessee rules to know

Licensing. If your work requires a state or local license or permit, check with the licensing board or office for any insurance or bonding rules. We can help you meet whatever they require.

We can review your requirements and help you shop workers’ compensation and the other coverages above with carriers that write notaries and signing agents, subject to underwriting.

Certificates of insurance

Signing services often require E&O and proof of coverage.

A certificate of insurance shows your coverage on the day it’s issued. If a contract asks for additional insured status or a waiver of subrogation, the policy usually needs an endorsement, not just a line on the certificate. Our certificate of insurance checklist walks through what to check.

What affects the cost

• The type of work you do and how it’s classified
• Annual revenue and payroll
• Number of employees and any subcontractors
• Where you work and the value of your equipment or property
• The limits and deductibles you choose
• Your claims history and years in business

We can’t promise a price ahead of time, but we can compare options and explain the trade-offs in plain English.

How Eric can help notaries and signing agents

Professionals working from offices in downtown Nashville, Cool Springs, Mt. Juliet, and Murfreesboro, or from home, often need proof of coverage for client contracts. As an independent agent affiliated with Hutsenpiller Insurance, Eric can review what you have, read your contract requirements with you, and help you shop options with more than one carrier. See how an independent agent works for you.

Related guides

• Professional Services Insurance in Tennessee
• All business types we can help
• Business insurance in Middle Tennessee
• General liability insurance
• General liability vs. professional liability
• Small business insurance checklist (PDF)
• Certificate of insurance checklist (PDF)