When mistakes happen, we’ve got you covered.

Practicing real estate law comes with risks. We have a number of coverage options to mitigate those risks and keep you protected.

New for 2025

E&O Complete coverage increased from $10,000 up to 3 claims per year to $20,000 up to 4 claims per year.

An extra layer of coverage

According to our research, real estate is one of the riskiest areas of law. For your peace of mind, we offer three levels of additional protection on transactions you title insure with FCT. Our supplemental E&O coverage works with your mandatory E&O insurance to reduce your risk.   

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$6,197.80 paid

A lawyer processed a refinance transaction, acting for the borrowers and the lender. The property had an existing mortgage with another lender that had to be paid out and discharged as part of the transaction. But the lawyer’s office inadvertently didn’t pay out the existing mortgage until after it had matured. The borrowers ended up with $6,197.80 of prepayment and interest charges and held their lawyer responsible. Because the lawyer had an E&O Complete policy, FCT covered the full amount, with no deductible, and no increase in their law society E&O insurance premiums.

Discover our Legal Services Coverage

Which of our E&O suite of products is best suited for you?

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E&O Extra®

Our entry-level coverage. If a claim is filed against your current mandatory errors and omissions insurance, your E&O Extra policy will provide reimbursement for your deductible payment and any increase in your premium surcharge payments.

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E&O Complete™

Get the financial support you need to deal with smaller issues quickly and effectively. For a small annual premium, E&O Complete offers coverage on a broader range of real estate transactions than E&O Extra, making it the preferred coverage for legal professionals.

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Deal Protection Endorsement

Coverage for purchasers and mortgagees on residential and commercial transactions. Opt-in to add this protection to all your title insurance policy orders for maximum protection.

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Insurance by FCT Insurance Company Ltd. 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. Insurance brokerage services by FCT Insurance Services Inc.  Some products/services may vary by province. Prices and products/services offered are subject to change without notice. 

 

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