Title agency E&O has to defend a different claim profile than a real estate brokerage's policy. PBI Group writes title-agent coverage with closing-protection letter exposure, search-and-examination defense, and wire-fraud-aware coordination with the cyber policy.
Title agencies sit at the most dangerous intersection in a residential transaction — neutral fiduciary on the closing side, contractual agent on the underwriter side, and the party every other professional looks to when something goes wrong. A single missed encumbrance, a CPL exposure, or a fraudulent wiring instruction can convert a clean closing into a multi-party lawsuit overnight.
The hard part for title agency E&O is that title work isn’t real estate sales — it’s document examination, fund custody, and underwriter representation, all at once. Generic real estate E&O carriers underwrite the wrong claim profile and price accordingly. Search-and-examination errors, closing-protection-letter exposure, escrow-instruction defense, dual-capacity disputes between your agency hat and your underwriter hat — these are the categories driving severity, and they need specific contract language to defend.
PBI Group writes title agency E&O coordinated with the underlying title underwriter so the coverage stacks coherently — your E&O picks up where the title policy stops, with explicit CPL-aware coverage and wire-fraud coordination with cyber liability. Right Coverage at the Right Price for title means the carrier has actually read the agency agreement you signed with your underwriter, not just classified you as “real estate services.”
E&O is the flagship — Cyber matters most at the closing table.
The flagship policy for title agency firms. PBI Group writes title-agent E&O with coverage for search-and-examination errors, closing-protection letter exposure, title-defect claims, and the long-tail discovery rule that opens 10-year-old transactions to fresh claims.
Learn moreTitle agents move closing funds — they are a primary wire-fraud target. Cyber covers the buyer's lost funds, the agency's breach response, ransomware lockouts during closing season, and media liability on marketing material.
Learn moreBI/PD for the closing office, slip-and-fall coverage during closings, hired & non-owned auto for staff driving to closings or recording deeds, and advertising-injury defense.
Learn moreA search misses a tax lien that surfaces post-closing. Buyer's lender demands payoff; buyer sues the title agency. E&O defends the search-error claim — but only if the policy form was written for title-agent exposure, not generic E&O.
Lender alleges the CPL was issued for a transaction that didn't close as represented. CPL exposure is the single highest-severity claim category for title agencies. The right policy form has CPL coverage written in.
Hackers intercept seller wire instructions, redirect proceeds, and the seller discovers the loss days later. Title agent is named in the suit. Cyber funds the loss; E&O defends the agency's negligent-handling allegation.
Let PBI Group get you a quote — no fluff, no pressure, just a fair price for strong coverage.
