After being sued twice at the cost of about 8,000. each time to defend myself and wasn't found guilty of anything. I have 100,000. of E&O ins. However, they only cover 10,000. in legal fees which in Calif can be chewed through fast. You also have to pay the legal fees upfront and get that money from somewhere fast. When the case is done, THEN the E&O company reimburses you. I've been a notary for 36 years and done about 18,000 closings.Eventually stuff will happen to you.. Always document a lot in your journal, This is what saves you. I put Escrow /title co name, escrow officer and escrow # and names of anyone who attended the appt. and who was called from the appt and what it was about. And many other things, like if I smelled alcohol on their breath, if they drank at the appt. Etc etc. Every document is entered for each signer-lots of writing. Just remember to be BEYOND REPROACH at all times.