Key Takeaways
- Connecticut does NOT require notaries to obtain a surety bond
- Errors and Omissions (E&O) insurance is optional but recommended
- Notaries are personally liable for damages caused by their misconduct
- E&O insurance can protect against financial liability from errors
- Bond and insurance are available through insurance agents and notary organizations
Bond and Insurance Requirements
No Bond Requirement
Connecticut does not require notaries public to obtain a surety bond. This is different from many other states that mandate bonds of $5,000 to $25,000.
No Insurance Requirement
Connecticut also does not require notaries to carry Errors and Omissions (E&O) insurance. However, this coverage is strongly recommended.
Personal Liability
Without a bond or insurance, notaries are personally liable for damages caused by their official misconduct:
| Liability Rule | Impact |
|---|---|
| CGS Section 3-94i | Notary is liable for damages from misconduct |
| No state protection | Personal assets may be at risk |
| No maximum limit | Liability can be significant |
Errors and Omissions Insurance
What E&O Insurance Covers
| Coverage | Protection |
|---|---|
| Negligent errors | Mistakes in performing notarial acts |
| Omissions | Failure to perform required duties |
| Legal defense costs | Attorney fees if sued |
| Settlements/judgments | Financial awards to injured parties |
Why Consider E&O Insurance
| Reason | Benefit |
|---|---|
| Financial protection | Covers damages you might owe |
| Peace of mind | Reduces personal risk |
| Professionalism | Shows commitment to proper practice |
| Affordable | Policies often cost $25-100/year |
Obtaining Bond or Insurance
Both products are available through:
- Insurance agents
- Notary organizations (NNA, ASN, etc.)
- Online providers
- Various coverage amounts available
Important Note
While neither bond nor insurance is required, the Secretary of State strongly recommends that notaries consider these protections. One significant lawsuit could result in substantial personal financial loss.
Best Practice: Even though optional, obtaining E&O insurance is a prudent decision that protects both you and the public you serve.
Does Connecticut require notaries to obtain a surety bond?
What is the consequence of Connecticut not requiring notary bonds?