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Why working with a great underwriting team matters

Pictured: members of FCT’s residential, commercial and corporate underwriting teams.

Your client’s new home or business means much more to them than a place to work or a source of income. It’s their security, their future and likely to be the biggest investment they ever make. They rely on you to close their deal safely and on time, which is why you use title insurance.

But a title insurance policy is only as good as the people behind it. Who’s underwriting your deals? At FCT, we’re invested in our customers. That’s why our residential, commercial and corporate underwriting teams give their all every day to bring you and your clients more protection, more solutions and more experience.

More protection

From the beginning of a real estate transaction to long after the deal has closed, there are always risks. Real estate fraud is on the rise in Canada, and you’re on the front lines in the fight against it.

But you have an ally. Our underwriting teams help our legal customers and their clients avoid the stress and financial loss associated with fraud. We’ve identified approximately $628 million dollars of suspicious transactions in the last five years alone.

We take fraud prevention seriously, maintaining contacts in police services and researching constantly to stay on top of new scams. You can work with confidence on deals, knowing you’re backed by the only underwriting team with a Certified Fraud Examiner on staff.

Protecting you from fraud doesn’t stop at preventing it. If fraud is perpetrated any time while the insured owner holds the property, we cover the cost of the legal fees required to restore their title.

More solutions

Every transaction you work on is unique, and your clients count on you to be able to get their deals closed on time. We’re here to help you do just that. That’s why we evaluate known risks and assume certain risks to ensure your transaction closes smoothly. If a defect we’ve insured over is based on an underlying issue that needs to be resolved, we can help make sure it’s taken care of.

Our underwriters can customize policies to help them fit even the most challenging properties. They also know the real estate industry is always changing, and adapt our coverage to change alongside it with new endorsements to meet your clients’ diverse needs.

More experience

We’ve spent over 30 years earning the trust of legal professionals and lenders across Canada. Between 1991 and 2002, we had issued one million policies. By 2012, we’d underwritten 10 million. Our team learns from every deal they underwrite, and they leverage that knowledge for you and your clients,

Our corporate team has an average of 12 years’ experience assessing risk effectively and quickly, even for the most complex of deals. Our commercial team has helped shepherd landmark commercial deals, like the Sky Dome, Chateau Frontenac, and the Detroit-Windsor Tunnel. A majority of our residential team is made of former law clerks and paralegals—they know the needs and stresses of your business, and they’re here to help on every deal.

No matter what challenges or complications your deal has, you can rest assured you’ve got the best underwriters in the business on your team. Learn more about how they can help you and your clients.


Insurance by FCT Insurance Company Ltd, with the exception of commercial policies. Subject to certain exceptions, commercial title insurance policies equal or below $10M CAD are provided by FCT Insurance Company Ltd. Commercial title insurance policies above $10M CAD are provided by First American Title Insurance Company. Services by First Canadian Title Company Limited. The services company does not provide insurance products. This material is intended to provide general information only. For specific coverage and exclusions, refer to the applicable policy. Copies are available upon request. Some products/services may vary by province. Prices and products/services offered are subject to change without notice.

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If a claim is filed against your current mandatory errors and omissions insurance, your E&O Extra® policy will provide reimbursement for: