Notary Notes Blog

The latest notary news for Pennsylvania notaries

Education

Signing Agent Versus Notary Errors and Omissions (E&O) Insurance

by

All signing agents are notaries, but not all notaries are signing agents. A notary’s duties stop at performing notarial acts. Signing agents are trained to present loan documents to customers and assist lenders in the closing process. Notary Errors and Omissions (E&O) Insurance will not cover all losses caused by errors that take place during signings. For more specific coverage, the signing agent needs Signing Agent Errors and Omissions (E&O) Insurance.

Notary E&O protects the notary when a mistake is made during a notarization that causes the client to suffer a financial loss. Notary E&O only covers notary acts. It does not protect a signing agent when reviewing documents with the customer, providing rescission date calculations, or returning the paperwork to the loan provider.

Signing Agent E&O helps to fill the gaps not covered by Notary E&O Insurance. As an independent signing agent, you have unlimited personal liability for losses caused by errors you make during the signing. Signing Agent E&O Insurance will provide coverage for:

  • Innocent errors or omissions related to signing agent notarial acts
  • Incorrectly dating the right of rescission
  • Missed initial or non-notarized signatures
  • Unauthorized changes to documents
  • Negligence of the signing agent to complete the documents in a timely manner
  • Slow return of date sensitive documents

To qualify for Signing Agent E&O Insurance through PAN’s insurance broker E.R. Munro & Company, you are required to have taken signing agent training and earned certification, hold membership in a professional association, and keep a journal.

It is important to have E&O insurance for both professions. Even if you are innocent, you could still face significant legal expenses for defending yourself in a lawsuit.

If you are a PAN member, contact us for information regarding Notary E&O Insurance. PAN’s Notary E&O policies for members are obtained from our insurance broker E. R. Munro & Company.

If you are not a PAN member but are interested in Notary E&O or for more information on Signing Agent E&O, please visit E. R. Munro & Company or call 877-ERMUNRO (376-8676) to speak with an insurance agent.

Keep Your Office of Record Address Up to Date

by

All Pennsylvania notaries public are required to keep a current office of record mailing address on file with the Department of State. Your office of record address is where the Department will send any official notices or letters.

If you have changed employers, begun working from home, or moved, make sure the office of record address you have on file is up to date. You have 30 days to notify the Department that your address has changed. Notice must be made in writing or by e-mail and must state the effective date of the change.

You may use your employer’s or your own business address. If you did not provide either address on your application for commission, your home address becomes your office of record address by default. If you are working from home, for an employer or yourself, your home address should be your office of record address.

Instructions and forms (online and PDF) are available on the Department’s web site here.

PAN also offers a Change of Address packet, including an order form for an official stamp, available on our member portal here.

What will your workspace look like moving forward? We’d like to know how we can best serve you in the future. Let us know by filling out a quick survey.

Five Simple Notarial Mistakes to Avoid

by

Notaries are expected to uphold certain standards and act in accordance with the Revised Uniform Law on Notarial Acts (RULONA). Even the most minor mistakes can cause notaries a loss of commission, fines, or legal consequences. Here are five common mistakes that notaries made in 2020, so you can avoid them in 2021.

  1. Failing to keep a proper record of their notarial acts. Every notarial act that you perform must have an accurate, complete entry in your notary journal. Learn more about how to create a proper notarial journal entry in this video.
  2. Failing to require personal appearance. Unless you are a remote notary, you must require in-person appearance from the customer. Personal appearance is the first step to performing a notarization. If the customer is unable to come in person, you can refuse service or refer them to a remote online notary.
  3. Failing to maintain custody and control of your notary stamp. As a notary public, you are responsible for securing your notarial stamp. When you are not using your official stamp, put it with your notary journal in a secure place that only you have access to.
  4. Failing to include proper notarial language or venue. Notary wording must be present for you to notarize any document or perform any notarial act. If there is no notary wording present, you must add it. There also must always be a venue including the state and county where you and the customer are standing when the notarial act takes place. If there is no notary wording, inform the client and ask to add it to the document. If they do not allow you to add the proper wording, you must refuse to notarize.
  5. Failing to be familiar with the duties and responsibilities of a notary public. As a notary in Pennsylvania, there are certain duties and responsibilities that you must be familiar with to be able to do the job properly. Familiarize yourself with what is expected of you as a notary, how to perform notarial acts, and what your limitations are. PAN offers several options for obtaining the 3 hours of state-mandated education that will teach you what you need to know about becoming a notary in Pennsylvania, and how to notarize documents.

Being familiar with your duties and responsibilities to the public is the best way to keep yourself safe from legal consequences and losing your commission.

What is it like becoming a notary through PAN?

by

Many new members may wonder: what is it like to become a notary public in Pennsylvania as a PAN member?

My name is Angel Dulick, and I am the social media coordinator for PAN. I did not have any notarial experience before accepting a position with the association. Like many, my employers asked me to become a notary. This experience helped train me to be able to assist PAN members in answering their questions and concerns. I would like to share what I learned with other PAN members going through the same process.

The first step was to send in my notary application and take the notary education. Due to COVID-19, the education course is available online. PAN’s online education was extremely informative. It was three hours per the Revised Uniform Law on Notarial Acts (RULONA). I also took PAN’s three-hour in-person notary seminar with our instructor, Jon. In-person education was interactive and instructive. After taking the course online and in-person, I believe that both are informative and helpful in preparation for the exam. I took the practice exams and reviewed the RULONA Reference Sheets available to members, then I was ready to take my exam.

Scheduling the exam was simple. An email was sent to my inbox once the state received my application. A little over two weeks later, I received an email from Pearson VUE to schedule my exam.

Once scheduled, I received a confirmation email for my appointment. According to the email, I was to bring two forms of ID and a printout of the email provided. The place I went for the exam did not require me to bring the email, but each testing site is different. Each location will have a different plan in place for checking people in and what they require from each person. The email suggested I arrive 15 minutes prior, but I would suggest going earlier. Each location has its procedures in place for COVID that take more time.  I took my exam at the Goodwill of Southwestern Pennsylvania in Pittsburgh, PA.

At this location, they had me sign in, then present my ID to the person administering the test. I brought my driver’s license and debit card as my identification. They then took my photo and locked up my personal items including my phone, car keys, and wallet. You are not allowed to have anything on you in the testing room.

I was then set up on a computer to take the exam. It took about 20 minutes of the allotted 60 minutes for me to finish. You can go over the questions several times before submitting the exam. Once I finished, the person administering the test told me my score, gave me a printout of it, and sent me on my way.

Once I passed, PAN was notified that I was approved to be appointed and are currently in the process of giving me my $10,000 notary bond. Once I receive that bond, I must get sworn in within 45 days.

The process was made very easy by working with PAN, and the exam went smoothly for me due to the questions PAN provides on all their practice tests and training. If you are considering becoming a notary through PAN, do it! The association takes away the stress of doing it all yourself.

Notary Record Keeping Webinar

by

PAN’s webinar “Notary Record Keeping” will be presented on Thursday and Friday, December 10th and 11th, at 11 a.m. and 1 p.m. ET. Learn how important it is to keep proper records to protect you and your customers.

The PAN Instructors will talk about the current record keeping requirements and how they differ from the old record keeping requirements. There will be a live question-and-answer session following the presentation.

Click here to register.

We have up-to-date information about how the ongoing COVID-19 crisis is affecting notaries on our Notarization and Coronavirus blog.

PAN recommends using Google Chrome or Mozilla Firefox browsers to view the webinar. The webinar service allows more people to register than there are available virtual seats. Seating is on a first-come, first-served basis for registered participants.

PAN Cancels Live Seminars for January 2021

by

Out of concern for the health and safety of our customers and our instructors, PAN has made the decision to cancel our live seminars scheduled for January 2021.

We are currently in the process of contacting everyone who is registered for one of the cancelled seminars. Registrants will be able to reschedule their seminars for a future date, or register for online education.

If you have questions or need more information, please call PAN’s Customer Service Department at 800-944-8790.