Commercial title insurance

FCT insures against many unknown title risks, and can also provide coverage for known defects that may affect the title to your customers’ property. Our expert underwriting team provides creative solutions and customized policies to ensure your transactions close on time.

Title insurance regularly eliminates the need for an up-to-date survey, real property report or certificate of location, covering issues that could have been revealed had one been obtained. In cases where an existing survey of the property is available, we can provide coverage for loss resulting from any inaccuracy, providing cost savings, and speeding up the transaction with better protection.

We offer coverage for a variety of municipal issues including errors in public records, errors in government responses, non-compliance with municipal agreements, and zoning by-law violations as well as work orders for lenders and more.

Our gap coverage protects against losses from third party registrations that may arise between the time documents are submitted for registration and when the registration is completed. This coverage is particularly helpful in jurisdictions with registration delays, and for multi-site or multi-jurisdictional closings. It allows purchasers to access their property quicker and provides lending professionals with the security to advance funds once the documents are executed, instead of waiting until they are registered or certified.

While our underwriting process works to stop title fraud before it occurs, our title insurance policies protect both lenders and owners against fraudulent activity before the closing date, during the insured transaction, and after the transaction closes.

If a matter covered under the policy is challenged, we assume the responsibility and costs of defending your customer’s title. Those defense costs won’t reduce the amount of insurance under the policy.