Overview
Indiana has offered Remote Notary Authorization since 2019 under HEA 1144, making it one of the earlier states to formalize the process. If you hold an active Indiana notary commission, you apply for Remote Notary Authorization through INBiz, pass a short exam, select an approved vendor, and wait for state authorization before performing any remote acts.
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Indiana’s RON process is administered through the Secretary of State’s office via the INBiz portal. The framework requires notaries to use only state-approved technology vendors, maintain an electronic journal, and retain audio-video recordings. Once authorized, Indiana RON notaries can serve signers anywhere in the country from Indiana.
Indiana RON: What the Law Actually Requires
HEA 1144, signed into law in 2019, gave Indiana notaries the ability to perform remote notarizations using audio-visual technology. The key points of the Indiana framework:
- You must hold an active Indiana notary commission before applying for RON authorization
- You must pass an online exam administered through INBiz before authorization is granted
- You must use only a state-approved remote notary vendor – unlisted platforms cannot be used
- Electronic journal entries are required for every remote act
- Audio-video recordings must be retained for 10 years
- Identity verification must use credential analysis and/or knowledge-based authentication
Indiana does not require a separate bond for remote notary authorization, but E&O insurance is required as part of the authorization process.
The INBiz Exam: What to Expect
Indiana requires RON applicants to pass an online exam through the INBiz portal before authorization is granted. The exam covers Indiana notary law, remote notarization procedures, identity verification requirements, and electronic recordkeeping. It is not difficult for someone who has reviewed the Indiana Notary Public Guide, but you should not attempt it cold. The NNA’s Indiana-specific preparation materials and the Secretary of State’s own notary guide are the best study tools. You can retake the exam if needed.
Choosing an Indiana-Approved RON Vendor
Indiana maintains an official list of approved remote notary technology vendors. You must select from this list – you cannot use a platform not on it, even if it is widely used in other states. Platforms that have been on Indiana’s approved list include:
- Notarize (Proof) – consumer-facing volume, pays per completed session
- NotaryLive – strong notary scheduling UX
- DocVerify – enterprise and financial document focus
- SIGNiX – mortgage and title integrations
Always verify the current approved vendor list through INBiz before selecting a platform – the list is updated and a vendor on it today may not always remain listed.
E&O Insurance Requirement
Indiana requires remote notaries to carry Errors and Omissions (E&O) insurance as part of the authorization. The minimum coverage required is $25,000, though most professional notaries carry $100,000 or more. Annual premiums for a $25,000 E&O policy typically run $50-$100/year through NNA, Notary Rotary, or specialized providers. You submit proof of E&O coverage during the INBiz application.
What Indiana RON Notaries Can Notarize
Indiana RON authorization covers most standard notarial acts performed remotely: acknowledgments, oaths and affirmations, jurats, and signature witnessing. Key practical notes:
- Real estate closings – widely used in Indiana through lender and title platforms
- Loan documents – one of the highest-volume use cases for Indiana RON notaries
- Wills and estate documents – verify acceptance with the receiving attorney or court
- Out-of-state signers – Indiana RON notaries can notarize for signers located anywhere
Common Mistakes Indiana RON Notaries Make
- Performing remote acts before authorization is officially granted through INBiz – this is non-compliant
- Using a vendor not on Indiana’s approved list
- Not retaining audio-video recordings for the full 10 years
- Letting E&O insurance lapse after initial authorization
- Not updating INBiz when switching to a different approved vendor
Before You Start
Indiana’s RON authorization must be granted through INBiz before you perform any remote acts. Confirm your commission is active, your E&O is in place, your vendor is on the approved list, and your authorization status shows active in INBiz. Official reference: Indiana Secretary of State – Notary Information.
Prerequisites
- Active Indiana notary public commission
- Remote Notary Authorization through INBiz (separate from commission)
- Pass INBiz remote notary exam
- E&O insurance minimum $25,000
- Use only Indiana-approved RON vendor
- Electronic journal and 10-year audio-video recording retention
Steps
Confirm your active Indiana notary commission through the Secretary of State
Review the Indiana Notary Public Guide and remote notary requirements
Study for the INBiz remote notary exam (Indiana notary law + RON procedures)
Obtain E&O insurance - minimum $25,000 coverage required
Log in to INBiz and start the Remote Notary Authorization application
Pass the online exam administered through INBiz
Select an Indiana-approved RON vendor from the official list
Submit the application with proof of E&O insurance and vendor selection
Wait for official authorization confirmation before performing any remote acts
Set up electronic seal, electronic journal, and audio-video recording tools
Training & Exam
Training:
No state-mandated training course required before the INBiz exam, but study is strongly recommended. Indiana Secretary of State Notary Public Guide covers exam content. NNA Indiana-specific prep materials also available ($30-$50).
Exam:
Online exam required through INBiz as part of Remote Notary Authorization application. Covers Indiana notary law, RON procedures, identity verification, and recordkeeping. Can be retaken if needed. No separate fee for the exam beyond the application.
Bond & E&O
Bond:
$25,000 surety bond required for traditional Indiana notary commission (not additional for RON)
E&O Insurance:
$25,000 minimum E&O insurance required for RON authorization. Most professionals carry $100,000+.
Costs Breakdown
- Remote Notary Authorization application fee: verify in INBiz (typically $10-$25)
- E&O insurance (required, $25,000 min): $50-$100/year
- RON platform/vendor: $0-$30/month
- Digital certificate/e-seal: $50-$100/year
- Traditional Indiana notary commission: ~$5 state fee + $25,000 bond (~$50/year)
Timeline
Traditional commission: 2-4 weeks. Remote Notary Authorization: 1-3 weeks after complete INBiz submission
Apply & Official Links
FAQ
Do I need a separate commission to perform RON in Indiana?
No. You apply for Remote Notary Authorization as an add-on to your existing Indiana notary commission through INBiz. You need an active commission first.
Is there an exam required for Indiana RON authorization?
Yes. Indiana requires applicants to pass an online exam through INBiz covering notary law, remote notarization procedures, and recordkeeping before authorization is granted.
What E&O insurance does Indiana require for RON?
A minimum of $25,000 in Errors and Omissions insurance is required. You must submit proof during the INBiz application. Most professionals carry $100,000 or more.
Can I use any RON platform in Indiana?
No. Indiana maintains an official approved vendor list. You must select a platform from that list. Verify the current list in INBiz before choosing - it is updated periodically.
How long must I retain audio-video recordings in Indiana?
10 years from the date of the notarial act.
Can I notarize for signers located outside Indiana?
Yes. Once authorized, Indiana RON notaries can serve signers located anywhere, not just Indiana residents.
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