Notary Errors and Omissions Insurance — If You’re A Notary, You Need This Insurance

As a notary, you can personally be held liable for any real or perceived damage caused by errors or misconduct while performing a notarization. Notary Errors and Omissions (E&O) Insurance covers your assets if you make errors during the notarial process that cause your client to suffer financially. At Lifetime Investments, we’ve got you covered. Here’s what you need to know to protect yourself personally and professionally. 

Why Do I Need Errors and Omissions Insurance? 

Er&O Insurance will safeguard you against any mistakes that happen during a notarization. It only takes one error to potentially lose your savings, your Mesa, AZ home, or even your business! Protecting yourself and your assets with liability coverage is very affordable – just pennies a day. 

Doesn’t My Employer Cover This? 

No, your employer doesn’t cover you against errors and omissions, even if they carry liability insurance. Just as you are responsible for your own journal and seal, you alone are responsible for your notary acts. The Notary commission is not your employer’s, it’s yours. 

Doesn’t My Notary Bond Protect Me? 

That is a common misconception, but no, your notary bond does not protect you. A notary bod doesn’t protect the notary, it protects the public. If a surety company pays your claim, you have to pay them back. Notary Errors and Omissions insurance will that claim as well as any legal expenses up to your policy limit, without a deductible, and provides free expert legal defense.  

Am I Required To Carry Errors and Omissions Insurance By Law? 

No, you are not required to carry E&O insurance, but why would you want to risk your assets, Mesa, AZ home, and business for a simple mistake? Errors and Omissions insurance is protection that will provide you with peace of mind. 

For more information about E&O insurance, call the experts at Lifetime Investments to find out how Notary Errors and Omissions insurance can protect you and your assets

Equipment in Transit: Who is Liable for Damage?

Whether you are purchasing a new piece of equipment, returning it at the end of a lease, or selling it to a customer, it is important to determine who will be liable should damage occur in transit.  Accidents can happen on the road as well as while the equipment is being loaded or unloaded. Lifetime Investments in Mesa, AZ knows how a damaged piece of equipment can result in a significant loss to a company if not adequately insured.  

Who is Responsible if a Piece of Equipment is Damaged in Transit?

The responsibility of damage will typically fall on either the company handling the transit or the company that holds to title to the piece of equipment.

Shipping Company

Some shipping will ask for a value of the equipment that you are shipping.  They will include a fee to insure up to the amount you complete on the bill of lading.  If the equipment is damaged while in transit due to traffic accident or theft, the company will cover you up to the amount you are insured.  If the freight company does not include coverage in their price, they will ask you to provide a certificate of coverage.  For companies such as UPS and FedEx, they only include up to $100 of coverage unless you insure it for an additional value for an added expense.

Title Holder

If your freight company does not provide insurance coverage, the cost for damage will fall to the title holder at the time that the piece of equipment becomes damaged.  This should be established before shipping so that the company who owns it can be sure to have proper coverage on it.  

For example, if you are returning a leased piece of equipment and your lease does not end until the equipment is received, the leasing company is the title owner, and you are just the lessee so their insurance would typically cover the piece unless your contract specifies otherwise.  If you sell a piece of equipment and you have accepted payment and transferred the title to the new owner, you will want to make sure that they have coverage in place on it before it is shipped.

If you want to know whether or not your equipment will be properly covered in transit or to find out more about equipment coverage, contact the skilled agents at Lifetime Investments in Mesa, AZ today for more information or to get a commercial business quote.


Mesa Chamber of Commerce: Restaurants

You will always find my number one focus is client service; the second is the myriad other ways I find to support the Arizona communities in which I live and serve.  I made the decision to participate as an Ambassador for the Mesa, Arizona Chamber of Commerce.

Mesa Chamber of Commerce Ambassador

As an Ambassador, I join other members who volunteer their time with the intent to provide a crucial link between the Chamber and its members.

  • It is not a passive pursuit; we are in the center of business activity for the community.
  • It is not lacking in fulfillment; we enjoy the rewards of making new contacts, strengthening relationships and accessing a wealth of information and resources.
  • It is not without responsibility;  our task is to retain current members, recruit new members, and assist at events.

Mesa Chamber of Commerce: RestaurantsFor the month of June 2014, I have chosen to support the Restaurants who are currently members of the Mesa Chamber of Commerce.  While you are out and about, you can stop in at those who are familiar to you, or expand your eating experience by stopping in at one of those – yet unknown to you!

You owe it to yourself to eat out on occasion; make it a place that cares what you eat and how you are served!  If you are not a Mesa Chamber of Commerce member… you might want to consider that possibility – we are good folk!

Backyard Taco
Beaver Choice Scandinavian, Polish & Canadian Kitchen
Boulders On Southern
Carrabba’s Italian Grill
Cheba Hut Mesa
Chick-fil-A at Mesa Riverview
Cracker Barrel Old Country Store
Crazy Sushi Crab
Culver’s of Mesa on Greenfield
Dickey’s Barbecue Pit
Dickey’s Barbecue Pit
Downtown Rendezvous
Eklectic Pie
Famous Daves Mesa Riverview
Flancer’s Restaurant
Flips Burgers & Brew
Hooters Fiesta Mall
iCream Cafe
Ike’s Love and Sandwiches
Inside The Bungalow
Jimmy John’s Gourmet Sandwiches
Kneaders Bakery & Cafe
Kneaders Bakery and Cafe
Los Dos Molinos
MAD Greens – Eat Better
MVPita Mediterranean Grill
Nunthaporn’s Thai Cuisine
Organ Stop Pizza
Original Blue Adobe Grill
Pacino’s Italian
Pete’s Fish & Chips
Pie Five Pizza
Pita Jungle
Rosati’s Pizza Pub Of Mesa
Serrano’s Mexican Food Restaurant
Sonic Drive-In
Stapley Center Firehouse Subs
TC Eggington’s
Teriyaki Madness
Texas Roadhouse
The Brass Tap
The Broken Yolk Cafe
The Draft Sports Grill
Tipsy Cactus Taproom & Bottle Shop
Tom’s BBQ
Uncle Bear’s Grill & Tap
Village Inn
Wait Training – Waiter Boot Camp
What The Hell Bar & Grill
Zappone’s Italian Bistro & Catering

Arizona Block Parties (2016)

Block parties!  Arizona communities seem to have a natural affinity for them and it made me wonder just how many rich resources there were out there to:

  1. Find them
  2. Create them
  3. Best manage them
  4. Meet city guidelines for them

The following should add to your summer fun as you make a shift in traveling outside the city to get away from the heat – and find a way to enjoy it – along with others!

If you don’t want to put together an event of your own, but feel the need to get out and socialize, check out EventBrite

I found a nice list of events held in Glendale but the only ‘block party’ type of activity was:  Glitter & Glow Block Party  Saturday, January 7, 2017  4 – 10 p.m.

The Phoenix Mad Decent Block Party seems to be a pretty popular event and is repeating a massive 2-day music festival on Friday, September 16th & Saturday, September 17th at Rawhide! The Phoenix stop for this summer’s biggest EDM tour, is one of only two multi-day MDBP events…so don’t miss out! This show is 18+.

Headlining Artist include: Diplo, Aluna George, FKI IST, Jackal, Tchami, Baauer, Flosstradamus, Justin Martin, Le Young, Lil Dicky and more!

I was pleasantly surprised at the ‘help’ offered by Scottsdale – to encourage block parties through its GAIN program.  If you live in Scottsdale, you really owe it to yourself to take the fullest advantage of using this program to make a big difference in your summer fun!
Getting Arizona Involved in Neighborhoods is an annual event designed to unite neighbors and communities to help create safer neighborhoods. Formerly known as National Night Out, G.A.I.N. encourages residents to get together in their respective communities to promote safety, neighborhood communication and celebrate the successes of crime prevention through community involvement. 

If you don’t know where to start, you might want to connect with

Sunny 95 Neighborhood Block Party

Arizona Block PartiesIf you think your neighborhood would be a great place to host one of its neighborhood block parties, fill out the online form and tell them about it!

If you live in Peoria, and want to get in on some fun in june… you might want to check on PB3AZ …

Jan Vitale

Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years

Just in case you missed my earlier post about summer block parties… you can find it by clicking here, and taking in all the resources listed there!

ARIZONA Communities love Block Parties!

 It is true, Arizona communities love block parties! I have been really happy to have found so many ideas and resources for those of you who find it just short of impossible to get away this summer. Budgets are tight, schedules are cramped, kids too small or in too many other summer activities. So… why not have a Block Party!

I remember the days my kids were small, it was difficult at best to plan any thing major for summer, but… summer is supposed to be fun. We all get excited about it – especially in Arizona communities where we can have all day swim fests, stay up way past bedtime and sleep in late as we catch up on all the community socializing we miss during a busy school year.

The idea of throwing a block party is one of those things that really is limited only to one’s imagination as neighbors band together, find a “sponsor” for the perfect, affordable summer treat, and plan barbeques and potlucks that can be amazingly created from the barest of cupboards. No need to drag the kids along to shop… no endless hours at a hot stove. Light, cool, and quick are the order of the day as communities make the transition from rigid schedules to summer fun.

There are, of course certain requirements to which we must adhere. I researched and listed below the links to the cities who openly provide Block Party Rules. I trust you will get excited when you see they are not as restrictive as you may have thought! You can click right through to your city – or – write down the URL to save for later as you plan your summer fun.

Block Party Guidelines (by town)


City of Scottsdale




Town of Gilbert

Games and more…

Want to find games for the kidlets to play? Check out a great Pinterest Board:

Alpha Moms are another great resource for activities:

And… Party 411 has some real inspiration for themes and other fun!

 Enjoy your summer!

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years