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Title Agents, Escrow Agents, Title Abstractors E&O Insurance Tennant Risk Services specializes in professional liability (Errors & Omissions) insurance for title agents, escrow agents, title abstractors and related real estate services. We provide tailored E&O solutions through multiple admitted and surplus lines carriers, combining specialty underwriting knowledge with broad market access so you can place challenging accounts quickly and competitively. Overview of the Program from Tennant Risk Services This program is designed for independent agents and brokers who need a dependable market for title and escrow professional liability. Tennant Risk Services evaluates each account’s operations, loss history and territory to match risks with the appropriate admitted or excess & surplus carrier. We offer flexible limits, deductible choices and optional coverages to address common exposures such as escrow errors, closing mistakes, misinterpretation of title work and related professional services. Ideal Accounts and Appetite We write a broad range of title/escrow classes, including: Title agents and title agencies Abstractors and title search firms Escrow agents and escrow companies Loan closers and closing agents 1031 exchange facilitators and real estate intermediaries Document recorders Typical accounts we prefer include established agencies with routine residential and commercial closings, firms offering 1031 exchanges, and operations that provide multiple real estate services under one roof. We also consider startups and newly licensed agents, plus higher-exposure territories and accounts with prior losses where appropriate underwriting and pricing can be applied. Coverage Highlights and Advantages Professional liability / E&O coverage tailored to title and escrow operations Access to multiple carriers — admitted and non-admitted — depending on risk and state Optional extensions such as Cyber Risk (for data breach exposures) and Employment Practices Liability (EPL) Special provisions available for unique exposures (e.g., oil & gas asset classes, independent contractor arrangements) Flexible limits and deductible structures to meet client budgeting and risk tolerance Underwriting Notes and Minimum Premiums Underwriting focuses on operations, controls around closings and escrow handling, staff licensing and loss history. Tennant Risk Services can place tougher accounts: unique business models, multiple services, adverse loss experience or newly formed operations. Minimum premiums vary by carrier and account characteristics; some programs begin at lower entry levels (for example, minimums listed historically as low as $1,750), but final pricing depends on class, limits and territory. Example Accounts You Might Place A small title agency handling residential closings and occasional 1031 exchanges seeking $1M/$1M limits with a competitive premium and optional cyber coverage. A start-up escrow firm with limited experience looking for a professional liability policy with favorable limits and customized first-year underwriting considerations. An established title/escrow operation in a higher-exposure state that needs an E&S placement due to prior claims — Tennant can map the risk to appropriate surplus markets. Territories and Availability Programs are available in many states. Tennant Risk Services places business in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Admitted capacity is available in some states; other placements may be written on a non-admitted or surplus lines basis depending on carrier appetite and state rules. Why Work With Tennant Risk Services Tennant Risk Services brings specialty title/escrow underwriting experience, responsive service and wide market relationships. We support retail agents and brokers with quick submissions handling, pragmatic underwriting on tougher risks and access to carriers that understand real estate professional exposures. To discuss a specific client challenge or submit an account, please call or email [email protected] ([email protected]). Put our Title E&O expertise to work for you. Frequently Asked Questions What types of title and escrow accounts does this program write?Tennant Risk Services writes a wide range of accounts: title agents, abstractors, escrow agents, loan closers, 1031 exchange facilitators and related document recording services. Appetite spans startups to established agencies, and including some higher-exposure territories and multi-service firms. Are admitted policies available or is this surplus-only?We place business with both admitted and surplus lines carriers. Admitted capacity is available in some states; other accounts may require non-admitted placements depending on the risk profile and state regulations. What submission information do you typically need?Underwriters generally request an application, current and prior loss information, descriptions of operations and service lines, licensing details, and any controls around escrow and closing procedures. Additional documents may be requested for complex or high-limit submissions. Can I add cyber or employment practices coverage to a title E&O policy?Yes. Tennant can provide options for Cyber Risk (data breach) and Employment Practices Liability as part of a broader placement, subject to carrier availability and underwriting review. Need help placing an account? Connect with a market specialist.