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Driving Tips for Notary Entrepreneurs

About 7 years ago (while going through a mid-life crisis), I decided to learn how to ride a motorcycle. Growing up in South Carolina a lot of my friends had motorcycles as a family bike. My family didn’t have a lot of resources so we never had one but that never killed my desire to have a motorcycle to ride. When I turn 50 I took a course on how to operate and ride that was very eye-opening. Not only did this course teach me the basic fundamentals of riding a motorcycle, but it also taught me some great life-saving lessons on defensive driving. As notary entrepreneurs, we are always on the road running from assignment to assignment. Here are a few tips I picked up from my +40 years of driving and the motorcycle course.

Take a defensive driving course. I have a large network of notary entrepreneurs I keep in contact with regularly. This could explain why every 3-6 months I hear of another notary entrepreneur who has been in a serious car accident. Much of the time it is not even the notaries fault. A defensive driving course will serve as a valuable refresher on what to look out for while on the roads and highways. It will also boost your driving prowess to reduce the chances that you cause an accident that harms others, their vehicles, and your own person or vehicle.

Budget and schedule regular vehicle maintenance. As notary entrepreneurs, your vehicle should be considered an asset. Keeping it properly maintained is critical to the success of your business. By properly maintaining your vehicle, you’ll reduce future repair costs, optimize your car’s performance, maintain its value and extend its life.

Check and replace your tires appropriately. Now I know what you are thinking…shouldn’t this tip be in the “Budget and schedule regular vehicle maintenance” section? My experience has shown me that this should have its own section because this is so important. Several years ago I was in a near-fatal car accident. I was driving too fast for the conditions on the road and did not maintain my vehicle properly. My tires were in terrible shape. As I was driving down a country road (too fast) I tried to apply the brakes as I was approaching a corner. I soon discovered that not only was I not slowing down but the car fishtailed and slide right off the road doing around 60 miles an hour. I remember being thrown around the car like a ragdoll and finally coming to a stop. The only thing that saved me was that I had my seatbelt on. Months before the accident I remember looking at my threadless tires telling myself that one day I need to get new tires but never did. After that accident, I mentally wasn’t able to drive for 18 months. It took me 6 months before I would ride in a car with someone else driving.

Here is a good rule of thumb for tires. Since your tires lose about one to two PSI every monthl after you fill them, then as a general rule, check all four of your tires, including your spare, at least once a month, and during large termperature swings. I believe maintaining proper tire pressure and a quick inspection of the threads on your tires can be life saving. Check your vehicles Owners Operators Manual for more details.

Before driving in a residential neighborhood turn off the music, books on tape, or other distracting sounds in your vehicle. Driving through neighborhoods, especially those neighborhoods that you are not familiar with, you will need to give your full attention to not only finding your location but to find it safely. With distracting sounds off in your car you can focus on safe arrival. When returning to your car walk completely around your vehicle to make sure kids are not playing behind your car or that you don’t run over a toy placed behind your vehicle. This habit after leaving an assignment has really saved me from a lot of later headaches.

Staying safe on the road is one of my number one priorities. What are some tips that you found helpful on the road.

Other articles by the author……..

Daniel C. Lewis resides in Carmel, IN.  He was named in 2010 Notary of the Year by the National Notary Association.  He was also named in the same year an Honorary Secretary of State by the Indiana Secretary of State.  Daniel is currently serving as the Executive Director of the Lewis Notary & Training Services Inc. Daniel is an entrepreneur, writer, video editor, and Keynote Speaker.

Featured Indiana Notary – Laura Jones

The featured notary this week is Laura Jones. Laura is known as one of the most very dynamic, energic, and fearless notary entrepreneurs in Indiana. Laura has made quite the name for herself through her online notary groups and in-person professional notary meet-ups. Here is an interview conducted with Laura recently.

Interviewer: Can you tell us how you got started in the notary business?

Laura: I decided to get out of the business I was in for 20+ years and do something different. I did some research and decided that this is what I am going to do. I wanted to get into something with real estate but I didn’t want to be a Realtor.

Interviewer: Why Real Estate?

Laura: My husband Richard and I already owned some real estate and after some extensive research I found the Notary Signing Agent field would be a great fit.

Interviewer: How long have you been in the notary business?

Laura: Three years

Interviewer: How many assignments have you done so far?

Laura: I have done about 3,000 assignments so far.

Interviewer: Where do you want to go with your notary business?

Laura: I not sure. I know I want to expand but haven’t quite figured that out yet.

Interview: How have you been able to overcome challenges?

Laura: FIrst of all I don’t let fear take control of me. A lot of people allow fear to take control but I don’t live in fear. When I was starting this career and leaving a career that I knew for 25 years I had no fear. I went into it as if I was starting a new career. I had no fear. I knew I had a task at hand and I have a lot of confidence in myself. I have a belief that I can do tough things.

Interviewer: What areas do you cover?

Laura: My main area is Marion County and the surrounding counties and one more level after that. I have traveled all across Indiana.

Interviewer: Tell us something not many people know about you.

Laura: I gotten hit in a drive through at MacDonald by a drunk driver.

Interviewer: How did that impact you?

Laura: I was mad and had to get my car repaired. I was not injured.

Do you know an outstanding notary that you would like to see featured in our next article? Is that notary you? If so, please submit their (or your) information here(click here) and maybe they (you) will be the next Featured Notary.

Check out these other recent post:

How to Start & Market Your Notary Business Zoom Conversation happening 12:00 pm on Thursday 4/15/2021

You are invited to a one-hour power-packed Zoom conversation focusing on starting and marketing your notary business. This conversation will be hosted by the authors of “Make Your Business Our Business” Judith Lawrence and Daniel C. Lewis. Here is the link:

Daniel Lewis is inviting you to a scheduled Zoom meeting.

Topic: Starting a Notary Business Zoom Conversation
Time: Apr 15, 2021 12:00 PM Indiana (East)

Join Zoom Meeting
https://us02web.zoom.us/j/86569103365?pwd=RzBObS9HT2ZaQjhIQkxMREQzejJkUT09

Meeting ID: 865 6910 3365
Passcode: 981661
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Meeting ID: 865 6910 3365
Passcode: 981661
Find your local number: https://us02web.zoom.us/u/kfULTAryb

Join the conversation at 12:00pm on Thursday, April 15, 2021. Hope to see you there.

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Notary Bonds and Insurance

Every day someone is jumping in, feet first, starting a new notary business.  They have checked out some websites, joined a couple of local and national organizations, and took the time to write out a business plan for their notary business.  One question that should come up at the very beginning of this new venture is….

What type of insurance do I need to properly protect my business as well as my personal assets?


Most online websites will give some basic information about Bonds and E&O  Insurance.  If this was the year 2001 that would be great protection but since we are in 2018 this definitely won’t be sufficient coverage for the professional notary entrepreneur.  Let’s take a look at some of the different protection available for the notary entrepreneur.

Bonds


What is a Notary Bond?  A notary bond is a legally binding contract guaranteeing the notary will complete tasks ethically and in adherence to the local laws.  Notary bonds are required because notaries and notaries public are entrusted with a great deal of legal authority and are appointed as witnesses who ensure signatures on important legal documents are valid.  Bonds are usually required in each jurisdiction (check your local requirements).

Please keep in mind, however, bonds actually protect the public and not the notary.  The reason why that’s important is that if there is ever an issue and your notary bond is called to pay damages, the notary would need to repay the bond back to the bonding company.

Errors & Omission Insurance


E&O Insurance is a type of professional liability insurance that protects the notary entrepreneur from mistakes resulting in a financial loss by the customer.  If a customer makes a claim for damages against a Notary Bond, E&O Insurance will protect the notary’s assets up to the chosen coverage amount.  Without E&O Insurance notaries are personally liable for damages caused by a mistake made while acting as a notary, which is why this coverage is so important.  It is important to remember that E&O Insurance does not cover mistakes deemed to be intentional in nature.  E&O Insurance is highly recommended. Click here to talk with a licensed agent

Signing Agent E&O Insurance


Signing Agent E&O Insurance (also called Signing Agent Liability Insurance) is designed to fill the gaps not covered by traditional Notary E&O Insurance.  Signing Agent Liability Insurance is specifically designed for notaries who assist with loan signings.  The policy fills the gaps left with traditional Notary E&O Insurance, which only provides coverage for the actual notarization in loan packages.  Signing Agent E&O Insurance covers unintentional errors or omissions while the notary is acting as a “signing agent”.  In addition to the notarizations, this insurance covers such things as getting all other signatures and initials, correctly dating the documents, completing the signing in the time period specified, and promptly returning the signed documents.  Defense costs are also covered within the coverage amount. Click here to speak with a licensed agent

Identity Theft Protection


I was recently in a room full of professional notary entrepreneurs and asked two questions.  The first question was how many of you ever had to use your Errors & Omissions Insurance because of a claim for damages?  Keeping in mind the average year’s experience was about 7 years, not one hand went up.  Then I asked how many of you ever been a victim or knows a victim of identity theft?  All the hands in the room went up.  Having identity theft protection is one of the most underrated forms of insurance that the notary entrepreneur can have.  I am not referring to some watered-down version of identity theft protection from a bank or as an add-on to an insurance policy that will not properly protect the notary or his/her business.  I am referring to a comprehensive plan that not only protects against the notary from credit card scams, driver’s license identity theft, passport scams, and medical fraud but even protect the notary’s social media post from being hijacked.

Since some notary entrepreneur assignments deal primarily with real estate transactions and require the notary to submit to annual background screens, having comprehensive identity theft protection is critical to operating an efficient effective notary business. Click here to speak to a licensed agent about receiving identity theft protection

Other post by this author

Daniel C. Lewis resides in Carmel, IN.  He was named in 2010 Notary of the Year by the National Notary Association.  He was also named in the same year an Honorary Secretary of State by the Indiana Secretary of State.  Daniel is currently serving as the President of the Indiana Notary Association.  Daniel is an entrepreneur, writer, video editor and Managing Partner of Lewis Notary Services Inc.  Daniel has recently obtained a license as a Financial Advisor. 

Featured Indiana Notary – Felicia Brown

The featured notary this week is Felicia Brown who runs her newly minted professional Notary Signing Agent business from Indianapolis, Indiana. Even though Felicia just recently got started with her notary business she is off to a very fast start. Here is an interview conducted with Felicia recently.

Interviewer: Can you tell us how you got started in the notary business?

Felicia: I got started in the notary business due to this pandemic. My full-time job at the time was reducing and cutting hours and I really did not want to be caught in that situation again. I decided that I wanted to have a side business that I could create myself that would generate extra income for me, just in case anything else like this would happen. I just wanted to be better prepared financially.

Interviewer: You are in the medical field and they were cutting your hours?

Felicia: Yes. I am in the medical field and they were cutting hours. In my field sometimes we weren’t able to see patients during the time of the pandemic. In our nursing home facility, for example, people weren’t coming in and therefore we weren’t getting a lot of patients. This causes our facility not to have a lot of work hours so they start to cut back my hours.

Interviewer: So, how long have you been in the notary industry?

Felicia: For a couple of months now. I think it’s been right around two months now. I am still considered a newbie.

Interviewer: How many how many assignments have you had so far?

Felicia: I’ve had about fifteen assignment so far. Fifteen and counting.

Interviewer: Where do you want to go with your notary business?

Felicia: I want it to go as far as my notary business will take me. I would love to do work for title companies, directly. I would love to work for any type of attorney offices or just wherever.

Interviewer: This pandemic has given all of us some challenges. How have you been able to overcome all the challenges you’ve faced this year?

Felicia: Well, I would say it’s been my faith. It’s definitely been my faith and my trust in God that has allowed me to overcome the challenges. Also, having good friends. Being able to have my friends to talk to and just bounce things off of. That has helped me to be able to keep my sanity during this pandemic.

Interviewer: What physical areas do you cover in your area with your notary business in Indiana?

Felicia: I pretty much do all of Marion, Hamilton, Hendricks, and Johnson County.

Interviewer: I can tell that in 2021 we should expect a lot of great things from you. Is there anything you wanna add.

Felicia: I really enjoy doing this. Like I said I am a newbie and I have learned so much. Daniel Lewis (Lewis Training Services) has been a God sent and I thank him for that. I am eager to just learned a lot more about this business. I am ready just take the challenge.

Interviewer: Ok, thank you so much for your time and I’m sure will see a lot more of you in the near future.

Do you know an outstanding notary that you would like to see featured in our next article? Is that notary you? If so, please submit their (or your) information here(click here) and maybe they (you) will be the next Featured Notary.

Check out these other recent post:

New Background Requirements for Indiana Notaries

As of July 1, 2020 all Indiana Notary Public Applicants and all Indiana Notaries Public wishing to renew their commission, must submit an Indiana Criminal History Record with their application. This process is handled electronically through the Indiana State Police (ISP) online service.

What this means is that the State of Indiana is no longer accepting outside background screening vendors reports from commonly used vendors like the National Notary Association Background Screening to process applications. The only authorized background screening vendor as of now in Indiana is the Indiana State Police online service.

NOTE: If you are a Notary Signing Agent you may still need to obtain an additional background screening from national organizations like the National Notary Association to meet requirements from your vendors.

The Indiana State Police Limited Criminal History Record can not be older than 30 days from the date of application. After running the limited criminal history record, you will have 14 days to download it from your profile you create on the site. There is a $16.32 fee for obtaining this record. See the instructions below.

OBTAIN AN INDIANA STATE POLICE LIMITED CRIMINAL HISTORY RECORD

  1. Visit: https://www.in.gov/ai/appfiles/isp-lch
  2. Scroll to the bottom, click the acknowledgement box and click start search
  3. Login or create a new account
  4. Start a new search and follow the prompts to complete your request
    1. At the Reason for Request screen, select option 4: Is a candidate for public office or a public official
  5. Results will be available instantly, and may be printed or save to your desktop
    1. If you receive an “unresolved request” message, click here to email INBiz for next steps
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Approved Indiana RON Technology Vendors

Here are the latest Approved Remote Technology Vendors as of Monday, June 15, 2020 at 8:30am.

Notarize Inc., 745 Boylston Street, Ste 600, Boston, MA 02116 www.Notarize.com

Digital Delivery Inc., 4400 Alpha Road, Dallas, TX 75244 www.digitaldeliveryinc.com

Pavaso Inc., 2901 North Dallas Parkway, Ste 400, Plano, TX 75093 https://pavaso.com/ron/

NotaryCam, Inc. 2901 W Coast Hwy, Ste 200, Newport Beach, CA 92663 www.notarycam.com

Simply Sign, LLC, 260 Airside Drive, Moon Township, PA 15108 https://www.simplysecuresign.com

These vendors have ben approved by the Indiana Secretary of State’s office as a remote technology vendor. To prepare for the statewide exam on RON check out our Approved 3 CE Hours Course toward your Title Producers license at Remote Notarization Self Study Course.

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Check out some of these other courses from Lewis Training Services

Indiana Approved 10 Hour Title Pre-Licensing Online Course

Approved 7 Hour CE Online Course

Approved 3 Hour Indiana Remote Notarization Online Course

Approved 4 Hour Ethics and the Signing Professional

Notary Permit Runner (NPR) Online Course (Most Popular)