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These establishments provide title insurance services to the public, including searching public records for titles and liens against property, preparing title abstracts, issuing titles and issuing title insurance policies for real estate closings. Their purpose is to protect real estate owners, and those who have lent money to buyers for real estate purchases, from any loss related to a defect of title.

General Liability Insurance for Title Agencies – As with a typical office setting, the premises liability risks of title agencies depend largely on the level of access customers and the public have to the facility. All areas trafficked by clients and visitors should be kept free of obstructions, have secure flooring and be cleared of debris. Public restrooms should be kept clean and any spills should be immediately cleaned with appropriate “Wet Floor” signage to prevent slips and falls.

Worker’s Compensation Insurance for Title Agencies – Worker’s Compensation risks are dependent on the activities being performed by the employees in the office. Employees are at risk of typical office mishaps, such as trips and falls. Electronic equipment, such as copiers, printers and computers can pose a risk as well. They should be placed on secure surfaces and kept in proper working order. All employees of title agencies should know company polices regarding maintenance and repair of electronic equipment and should not attempt to work on machines without proper training and permission.

Business Auto Insurance for Title Agencies – Overall risk will be lower for title agencies, as most clients will travel to the office to conduct business. Business travel injuries may result from employees running errands or delivering materials to clients. When employees use their own vehicles for company business, their MVR’s should be checked and they should be required to carry a Personal Auto policy with minimum Auto Liability limits of at least $300,000 combined single limits. Risks will increase if vehicles are being operated by youthful drivers under the age of 25 or if business travel requires driving in heavy traffic areas, over roads that are in disrepair or night travel.

Property Insurance for Title Agencies – Common losses that occur in a title agency are similar to those of general office environments. Risks will vary depending on the size of the office and the condition and contents of the building. Typical risks include fire hazards from large amounts of paper storage. Trash and recycled paper should be removed regularly to prevent additional fire risks. Electronic equipment should be plugged in properly to avoid a circuit overload. Additionally, all electronic equipment should be serviced regularly and kept in good working order. Theft can be a risk, especially if expensive equipment is stored in the office.

Crime Insurance for Title Agencies – Most common criminal risks result from the possibility that employees could steal money from the company. Normal office precautions are recommended for title agencies. Precautions should include countersignature requirements on checks, reconciliations of bank statements by someone who is not authorized to deposit or withdraw, and mandatory vacations for all personnel who pay bills and deposit checks.