State Notary Agent®
The Florida Notary Public Directory
Florida requires a $7,500 surety bond under Fla. Stat. §117.01(6). A surety bond is not insurance for you. It is a financial guarantee to the public.
If you make a notarial error that harms someone, the surety pays the injured party up to the bond amount — and then has the right to seek reimbursement from you. You are ultimately on the hook.
Errors & omissions insurance protects the notary. It covers your legal defence and your liability for unintentional mistakes, up to the policy limit, without a right of reimbursement against you.
Florida does not require E&O. It is optional as a matter of law. But signing services and title companies set their own minimums, so it is practically mandatory for anyone doing loan work — $25,000 is a common floor and $100,000 clears essentially every published threshold.
If you register for remote online notarization, §117.225 requires a separate $25,000 surety bond plus at least $25,000 in E&O. These are in addition to the $7,500 traditional bond, not a replacement for it.
So a Florida notary offering RON carries two bonds and a mandatory E&O policy.
No. Florida requires a $7,500 surety bond under Fla. Stat. 117.01(6) but does not require errors and omissions insurance for a traditional commission. E&O becomes mandatory in practice because signing services and title companies set their own minimums.
A surety bond protects the public and the surety can seek reimbursement from the notary after paying a claim. E&O insurance protects the notary, covering defence and liability for unintentional errors without recourse against you.
$25,000 is a common minimum among signing platforms. $100,000 clears essentially every published requirement, and some platforms require $100,000 specifically for real estate signings.
Yes. Fla. Stat. 117.225 requires a separate $25,000 surety bond and at least $25,000 in E&O coverage, in addition to the $7,500 traditional notary bond.
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