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Surety Bond and Errors & Omissions Insurance Flashcards

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  1. What does Errors and Omissions (E&O) insurance provide for a Texas notary?

    Answer: Coverage for financial losses the notary causes due to mistakes or negligence

    E&O insurance protects the notary personally by covering financial losses that result from honest mistakes or negligence in performing notarial acts.

  2. Is Errors and Omissions (E&O) insurance required for Texas notaries?

    Answer: No, it is optional but recommended

    E&O insurance is not required by Texas law but is strongly recommended as it provides additional financial protection for the notary.

  3. What is the primary difference between a surety bond and E&O insurance for Texas notaries?

    Answer: The bond protects the public; E&O protects the notary

    The surety bond protects members of the public harmed by the notary, while E&O insurance protects the notary from personal financial loss due to errors.

  4. If a claim is paid out on a Texas notary's surety bond, what is the notary's financial obligation?

    Answer: The notary must reimburse the surety company for the amount paid

    Unlike insurance, a surety bond is a credit instrument; if the surety pays a claim, the notary is personally liable to reimburse the surety company for that amount.

  5. Why should a Texas notary consider purchasing E&O insurance in addition to the required surety bond?

    Answer: It protects the notary's personal assets from losses caused by unintentional errors

    E&O insurance shields the notary's personal finances from lawsuits or claims arising from unintentional mistakes made during notarizations.

  6. Can a Texas notary perform notarial acts without a valid surety bond on file with the Secretary of State?

    Answer: No, an active bond is required to perform any notarial acts

    Texas law requires an active surety bond throughout the entire commission period; performing notarial acts without a valid bond is not permitted.

  7. What happens to a Texas notary's commission if they fail to maintain their surety bond?

    Answer: The commission may be revoked or suspended by the Secretary of State

    Failure to maintain an active surety bond is grounds for the revocation or suspension of the notary's commission by the Secretary of State.

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Sources & references

Exam facts on this page (fees, format, dates, passing scores) are checked against these official sources; the date is our last check. Editorial policy

  1. statutes.capitol.texas.gov — Eligibility, fees, renewal, score validity · verified Oct 2026
  2. sos.state.tx.us — Test delivery, score release, time limit, fees, passing score, retake policy, test dates · verified Oct 2026