# Notaries & Signing Agents — Coverage Checklist

*Witness your own paperwork.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: signing & notary fees (full year)
- [ ] Rate cycles move volume fast — re-estimate when the phone speeds up or goes quiet.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Refi-cycle whiplash making January estimates obsolete by June
- [ ] Have an answer for: Platform dashboards showing gross while the marketplace wants net after miles
- [ ] Have an answer for: E&O and bonding mistaken for personal protection
- [ ] Have an answer for: No plan at all during the years the business was booming

## Fast facts to remember
- **Per signing** — 1099 income by appointment
- **Mileage** — usually the largest deduction
- **E&O ≠ health** — it protects the documents

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.