Title Certificate (Excess of Indemnity Cap) Insurance

Speak to a senior underwriter

When your client is relying on a Certificate of Title, the indemnity cap can be the pinch-point.

Our policy provides insurance in excess of that cap, enabling the transaction to proceed without reworking the title reporting position and satisfying the lender or investor.

Our underwriters

Our senior underwriters are specialists in providing solutions to complex and high-value risks affecting all sectors of the UK property market.

Why use our policy

The problem

The transaction value has increased, a portfolio has been aggregated, or the certificate is being used further down the line. The indemnity cap in the Certificate of Title suddenly looks thin.

Increasing the cap through PI is not always realistic. Top-ups can be slow or simply unavailable. In some cases, the certificate is being assigned and the original cap cannot be changed.

The solution

Title Certificate Insurance covers loss, damage, cost, claim or expense that would have been recoverable under the certificate, if the indemnity cap were not there.

It is designed for lenders and investors who are relying on the certificate and want comfort above the stated cap.

The policy is only activated once the cap is exhausted. Cover remains in place for as long as the law firm remains liable under the certificate.

How it fits with your title reporting

The policy sits back-to-back with the CLLS Certificate of Title and any wrapper documents. There is no attempt to re-write the reporting position or introduce alternative assumptions.

In practice, this means:

The certificate stays as it is
The indemnity cap remains unchanged
The insurance responds above the cap, as set out in the policy schedule

Recent CoT scenarios

Assignments & onward sales

Where an existing Certificate of Title is being assigned to a sub-purchaser or lender at a higher value, and the original indemnity cap cannot be amended.

Reporting remains with existing law firm

Where the value or risk profile of the transaction has moved beyond what is comfortable under PI limits, but the client wants to retain the same title reporting approach.

Portfolio transactions

Where multiple assets are aggregated and reliance on a historic cap no longer reflects the commercial exposure.

Learn more about our Title Certificate policy

Access our booklet to see a breakdown of our Title Certificate (Excess of Indemnity Cap) Insurance policy and learn why it offers greater protection against title risk.

Download brochure