# E&O Insurance Higher Than $100K **URL:** \ **Category:** Looking For Advice\ **Created:** [January 15, 2021, 4:21pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879 "2021-01-15T16:21:25Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 15, 2021, 4:21pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/1 "2021-01-15T16:21:25Z")
I currently have $100K insurance through NNA but looking for higher coverage. Can anyone recommend an agency that offers $200K - $500K in E&O insurance? ---
**Author:** ![JohnM-FL](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/johnm-fl/32/27884_2.png) [@JohnM-FL](https://forum.notarycafe.com/u/JohnM-FL)\ **Post date:** [January 15, 2021, 4:30pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/2 "2021-01-15T16:30:23Z")
Interesting, why would you need that higher coverage? ---
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 15, 2021, 4:48pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/3 "2021-01-15T16:48:19Z")
There are two title companies in my area who require $225K and one who wants $500 for closing in the developments they represent. ---
**Author:** ![BluePenNotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/bluepennotary/32/18919_2.png) [@BluePenNotary](https://forum.notarycafe.com/u/BluePenNotary)\ **Post date:** [January 15, 2021, 4:54pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/4 "2021-01-15T16:54:39Z")
I just got my coverage for E&O and Signing Agent Work (covers both, notarial acts and loan package mistake, from U.S. Underwriter Ins. Company, via Stratum Insurance Agency (they’re located in Las Vegas, but I did everything online) I follow the advice of: > **[Coversmart](https://getcoversmart.com/quote/home/presentation/#/enter/productlanding/notaries/A374E5A8-9A58-4331-958A-CFD12C680F7E)** > **[wil](http://forum.notarycafe.com/u/wil)** After many searches I finally found what I need, biBerk is another good option, but they don’t cover my state, NJ. I also tried Hiscox but after I carefully explained to them what exactly a NSA needs to be covered, they don’t cover Notary Signing Agents, only notarial acts. ---
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 15, 2021, 5:01pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/5 "2021-01-15T17:01:13Z")
Thanks, I’ll check out coversmart. ---
**Author:** ![LindaH-FL](https://avatars.discourse-cdn.com/v4/letter/l/8baadc/32.png) [@LindaH-FL](https://forum.notarycafe.com/u/LindaH-FL)\ **Post date:** [January 15, 2021, 5:07pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/6 "2021-01-15T17:07:31Z")
Aren’t you covered for that amount under the title company’s professional liability umbrella policy? ---
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 15, 2021, 5:20pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/7 "2021-01-15T17:20:15Z")
I asked that question and I was told no, because I would be considered an independent contractor and had to have my own coverage. ---
**Author:** ![BluePenNotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/bluepennotary/32/18919_2.png) [@BluePenNotary](https://forum.notarycafe.com/u/BluePenNotary)\ **Post date:** [January 15, 2021, 6:29pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/8 "2021-01-15T18:29:05Z")
2 reasons… #1 if you want to work straight with title companies or escrow offices you must have 100K plus #2 protect your access from a possible lawsuit, where your insurance only covers 1/4 and you would end up paying the other 3/4… does it make sense to you why people want or need 1 million coverage? ---
**Author:** ![BluePenNotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/bluepennotary/32/18919_2.png) [@BluePenNotary](https://forum.notarycafe.com/u/BluePenNotary)\ **Post date:** [January 15, 2021, 7:46pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/9 "2021-01-15T19:46:11Z")
What company are you covered under, right now ---
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 15, 2021, 8:07pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/10 "2021-01-15T20:07:48Z")
currently with Merchant’s Bonding ---
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 15, 2021, 8:09pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/11 "2021-01-15T20:09:41Z")
which is through NNA. ---
**Author:** ![BluePenNotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/bluepennotary/32/18919_2.png) [@BluePenNotary](https://forum.notarycafe.com/u/BluePenNotary)\ **Post date:** [January 15, 2021, 9:34pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/12 "2021-01-15T21:34:51Z")
I got the same one through NNA. I learned with @LindaH-FL and other veteran agents in the forums the difference in coverages. ---
**Author:** ![suie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/suie/32/11324_2.png) [@suie](https://forum.notarycafe.com/u/suie)\ **Post date:** [January 18, 2021, 10:03pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/13 "2021-01-18T22:03:02Z")
I ended up getting a $1mil policy from biBerk as the difference between $500K and $1mil was a couple of dollars a month. They have been amazing to work with through the whole process. Contact info below: Alain Hernandez Customer Service Representative bi **BERK** , a Berkshire Hathaway Company e. [customerservice@biberk.com] o. (844) 472-0967 | w. [www.biberk.com](https://www.biberk.com) Good luck, Suie ---
**Author:** ![WeMBnotary-Myrtle-Beach-SC](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/wembnotary-myrtle-beach-sc/32/35350_2.png) [@WeMBnotary-Myrtle-Beach-SC](https://forum.notarycafe.com/u/WeMBnotary-Myrtle-Beach-SC)\ **Post date:** [January 18, 2021, 10:07pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/14 "2021-01-18T22:07:41Z")
I don’t think you will get enough business from those 2 companies to pay for itself. I would pass. The title company’s 1mil E&O will cover you as well. These title companies just you to have extra, just in case. These are business choices you have to make. Check google. I believe your would need at least 1mil to do development closing. These always have a high risk of lawsuits. ---
**Author:** ![rlsnotarialservices](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/rlsnotarialservices/32/5305_2.png) [@rlsnotarialservices](https://forum.notarycafe.com/u/rlsnotarialservices)\ **Post date:** [January 20, 2021, 1:45am UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/15 "2021-01-20T01:45:00Z")
I was told by NNA that their E&O does not cover ALL notarial acts. I called Hiscox, who I was insured by for two years. Hiscox did not cover me for all notarial acts. After reading so many posts about E&O and people recommending BiBerk, I switched. I have $1,000,000 coverage with BiBerk for the same amount I paid Hiscox. ---
**Author:** ![rlsnotarialservices](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/rlsnotarialservices/32/5305_2.png) [@rlsnotarialservices](https://forum.notarycafe.com/u/rlsnotarialservices)\ **Post date:** [January 20, 2021, 1:47am UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/16 "2021-01-20T01:47:20Z")
Do you mean a “Bond” or E&O insurance through Merchants. I only know about them bonding. ---
**Author:** ![Hortons](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/hortons/32/22149_2.png) [@Hortons](https://forum.notarycafe.com/u/Hortons)\ **Post date:** [January 20, 2021, 1:57am UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/17 "2021-01-20T01:57:42Z")
Yep, I just signed up for a $1M policy. ---
**Author:** ![BluePenNotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/bluepennotary/32/18919_2.png) [@BluePenNotary](https://forum.notarycafe.com/u/BluePenNotary)\ **Post date:** [January 20, 2021, 5:28pm UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/18 "2021-01-20T17:28:55Z")
Did you do it with biBerk or Hicox? ---
**Author:** ![mdesch](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/mdesch/32/22298_2.png) [@mdesch](https://forum.notarycafe.com/u/mdesch)\ **Post date:** [January 21, 2021, 1:45am UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/19 "2021-01-21T01:45:48Z")
I went with BIZ ins for $500k. I also have two lender that now require that amount. Provident and Wayfair , ---
**Author:** ![DC\_NSA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/dc_nsa/32/37131_2.png) [@DC\_NSA](https://forum.notarycafe.com/u/DC_NSA)\ **Post date:** [January 22, 2021, 1:18am UTC](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879/20 "2021-01-22T01:18:36Z")
Thats crazy the minimum coverage is 30K. Where do you live!!! For them to want that much. They need to pay for it. [Next page](https://forum.notarycafe.com/t/e-o-insurance-higher-than-100k/16879.md?page=2)