# Where to get 1,000,000 E & O Ins **URL:** \ **Category:** Looking For Advice\ **Created:** [September 13, 2021, 7:14pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951 "2021-09-13T19:14:22Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![nickole](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/nickole/32/13923_2.png) [@nickole](https://forum.notarycafe.com/u/nickole)\ **Post date:** [September 13, 2021, 7:14pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/1 "2021-09-13T19:14:23Z")
I am looking to get direct signings and some title companies require a million dollar E & O policy. Any suggestions on where to buy such a policy? Thanks! ---
**Author:** ![acartiernotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/acartiernotary/32/17758_2.png) [@acartiernotary](https://forum.notarycafe.com/u/acartiernotary)\ **Post date:** [September 13, 2021, 7:21pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/2 "2021-09-13T19:21:52Z")
I have my E&O through BiBerk ---
**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:** [September 13, 2021, 7:26pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/3 "2021-09-13T19:26:12Z")
Whatever your do, make sure that $1M covers you for loan signings - standard E&O covers notarial errors only and does not cover anything related to loan signings or the handling of the loan package. ---
**Author:** ![nickole](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/nickole/32/13923_2.png) [@nickole](https://forum.notarycafe.com/u/nickole)\ **Post date:** [September 13, 2021, 7:26pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/4 "2021-09-13T19:26:50Z")
Ok Thanks. I will reach out to them. ---
**Author:** ![audrey.r.cooper27](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/audrey.r.cooper27/32/16922_2.png) [@audrey.r.cooper27](https://forum.notarycafe.com/u/audrey.r.cooper27)\ **Post date:** [September 13, 2021, 9:15pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/5 "2021-09-13T21:15:15Z")
Hi Nickole, I just went through Biberk/Eric Green was the person who assisted me and he was amazing. Good luck sis! ---
**Author:** ![elle.a.3300](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/elle.a.3300/32/36210_2.png) [@elle.a.3300](https://forum.notarycafe.com/u/elle.a.3300)\ **Post date:** [September 13, 2021, 10:22pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/6 "2021-09-13T22:22:03Z")
How much does an E and O policy for $1,000,000 cost ? ---
**Author:** ![nharmonenotary](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/nharmonenotary/32/13468_2.png) [@nharmonenotary](https://forum.notarycafe.com/u/nharmonenotary)\ **Post date:** [September 14, 2021, 1:41am UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/7 "2021-09-14T01:41:08Z")
I purchased mine through Hiscox. Online & instant. $33.33 per month ---
**Author:** ![j\_currie](https://avatars.discourse-cdn.com/v4/letter/j/dec6dc/32.png) [@j\_currie](https://forum.notarycafe.com/u/j_currie)\ **Post date:** [September 14, 2021, 1:15pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/8 "2021-09-14T13:15:24Z")
What company requires you to have a 1 million dollar policy? ---
**Author:** ![audrey.r.cooper27](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/audrey.r.cooper27/32/16922_2.png) [@audrey.r.cooper27](https://forum.notarycafe.com/u/audrey.r.cooper27)\ **Post date:** [September 15, 2021, 6:02pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/9 "2021-09-15T18:02:00Z")
Hi Elle, I purchased my E&O insurance through BiBeck and I believe it is $37.00 per month for $1,000,000 which is what I have, or you can pay the annual fee which is right around $407 or somewhere close to that. Good luck! ---
**Author:** ![alice2uworld](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/alice2uworld/32/33416_2.png) [@alice2uworld](https://forum.notarycafe.com/u/alice2uworld)\ **Post date:** [September 15, 2021, 6:16pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/10 "2021-09-15T18:16:01Z")
Why would you go to the expense of $1M E&O policy? So companies ask so what? Do you really think you would get more jobs? I retired from working in contracts and risk management for a large company out of Seattle. My job included working with 65 Ins UW, obtaining bonds and insurance for multimillion dollar projects, etc. E&O policies are not all the same ~ read the fine print. Ask yourself what is your personal risk value and then purchase E&O accordingly. In WA State I use Western Surety that has been around over 100 years and very affordable. ---
**Author:** ![ptorry302](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/ptorry302/32/21664_2.png) [@ptorry302](https://forum.notarycafe.com/u/ptorry302)\ **Post date:** [September 15, 2021, 6:30pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/11 "2021-09-15T18:30:34Z")
I have my E&O through BiBerk ---
**Author:** ![nickole](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/nickole/32/13923_2.png) [@nickole](https://forum.notarycafe.com/u/nickole)\ **Post date:** [September 15, 2021, 6:37pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/12 "2021-09-15T18:37:11Z")
Thank you for your feed back. Yes, I am anticipating getting direct signings. I am just trying to work smarter, not harder. If that helps me reach my goals, then I am going to give it a try. I have wasted money on less important things, for sure lol. ---
**Author:** ![alice2uworld](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/alice2uworld/32/33416_2.png) [@alice2uworld](https://forum.notarycafe.com/u/alice2uworld)\ **Post date:** [September 15, 2021, 6:38pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/13 "2021-09-15T18:38:56Z")
Good luck to you. Hope all works out. ---
**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:** [September 15, 2021, 7:05pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/14 "2021-09-15T19:05:19Z")
Just all of you make sure this $1M coverage and the expense it incurs absolutely covers you for your work as a signing agent and not just the notary portion (which, honestly, is what E&O is) - read the fine print and make sure there are no exemptions to coverage - you probably most likely have a professional liability policy and not an E&O, per se. ---
**Author:** ![judikidd](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/judikidd/32/33496_2.png) [@judikidd](https://forum.notarycafe.com/u/judikidd)\ **Post date:** [September 15, 2021, 7:30pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/15 "2021-09-15T19:30:13Z")
I have status as a direct independent (as opposed to subcontractor) notary for Fidelity. My E&O is $100,000 as an INDIVIDUAL. Were I to start a company, using subcontractors for signings under the umbrella of my company name, THEN I would need a million dollar policy. As Alice2uworld suggests, read the instructions carefully before you buy that massive policy. ---
**Author:** ![quiecet](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/quiecet/32/28401_2.png) [@quiecet](https://forum.notarycafe.com/u/quiecet)\ **Post date:** [September 17, 2021, 8:36pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/16 "2021-09-17T20:36:23Z")
I had a 250,000 dollar policy through Hiscox insurance which is through gieco for 32 a month I didn’t need even that much though must companies have a baseline and most states for 25,000 E&O insurance I just dropped down to that one to stop waiting money because it’s very very little companies that require you to even have that 25 bucks I think for the entire year😇 ---
**Author:** ![jerrypb](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/jerrypb/32/16901_2.png) [@jerrypb](https://forum.notarycafe.com/u/jerrypb)\ **Post date:** [September 19, 2021, 4:34pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/17 "2021-09-19T16:34:51Z")
I know of no signing agencies that require a million dollar E&O policy for individual notaries. Many require them for signing agencies, I just don’t know of any that require that much for an individual NSA. ---
**Author:** ![alice2uworld](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/alice2uworld/32/33416_2.png) [@alice2uworld](https://forum.notarycafe.com/u/alice2uworld)\ **Post date:** [September 21, 2021, 7:49pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/18 "2021-09-21T19:49:46Z")
Hi Jerry ~ I have had several agencies try the $1 million request and my attitude is not going to happen for my value of risk. I’m 72 and do this work part time. Will carry risk to my grave and just not worth it. Would rather spend money on my Granddaughter 🙂 ---
**Author:** ![ptorry302](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/ptorry302/32/21664_2.png) [@ptorry302](https://forum.notarycafe.com/u/ptorry302)\ **Post date:** [December 8, 2021, 3:59pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/19 "2021-12-08T15:59:24Z")
I have E&O thru BiBerk a $1M policy ---
**Author:** ![alice2uworld](https://yyz2.discourse-cdn.com/flex034/user_avatar/forum.notarycafe.com/alice2uworld/32/33416_2.png) [@alice2uworld](https://forum.notarycafe.com/u/alice2uworld)\ **Post date:** [December 10, 2021, 9:23pm UTC](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951/20 "2021-12-10T21:23:29Z")
Judikidd agree. No way buying that massive policy unless I have to. I worked in Risk Management for a large corporation in Seattle before I retired with 65 underwriters to deal with and their requirements. After 15 years of working with those people they taught me to be careful but it all depends on the situation. When I flipped homes in Sequim, made sure my subcontractors were licensed, insured and bonded for enough money to cover project. Good thing ~ I ended up filing lawsuit against one contractor that messed up his work and won my case. Never know when you will find a lemon and I made lemonade. 🙂 [Next page](https://forum.notarycafe.com/t/where-to-get-1-000-000-e-o-ins/25951.md?page=2)