Title Agency Insurance Coverage Checklist
The coverages a title agency business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for title and escrow agencies. Priorities reflect typical exposure; confirm against closing volume and escrow balances.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Title Agent E&O | Covers errors in searches, closings, and escrow handling. | Core | |
| Social Engineering / Funds Transfer Fraud | Covers escrow funds sent on fraudulent instructions — often limited or excluded. | Core | |
| Crime / Fidelity | Covers employee theft from escrow accounts. | Core | |
| Cyber Liability | Covers breaches of client data and notification costs. | Core | |
| Escrow / Surety Bonds | Required by many states for escrow operations. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for fraud that isn't a hack. In June 2026 the FBI warned of criminals impersonating owners of vacant land to sell property they don't own, and wire-instruction fraud keeps rising — yet many cyber and crime forms exclude voluntary transfers or sublimit social engineering. Agencies should confirm those limits, verify seller identity independently, and call back on every wire.
Send us the checklist and we'll review your title agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Title Agency Insurance · Title Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a title agency business need?
The core coverages for a title agency business are Title Agent E&O, Social Engineering / Funds Transfer Fraud, Crime / Fidelity, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my title agency coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.