Title Insurance

Title Insurance can provide protection for a wide range of title problems both in the context of asset related or corporate related risk structures. It can also help in removing obstacles when it comes to raising finance or lending.

In relation to real estate matters, Title Insurance can help overcome challenges to legal title, boundary issues, incapacity of prior owners, restrictive covenants, chancel repair liability, rights to light and missing searches. Furthermore, in the context of corporate structures, Title Insurance can also provide coverage for title to shares and missing share certificates.

In general, there are two main types of policy:

i) Title to Property

A Title to Property policy covers a challenge to legal title of the property including:

  • mortgage fraud
  • boundary issues
  • sellers’ misrepresentation
  • incapacity of prior owners

ii) Title to Shares

A Title to Shares policy covers a challenge to legal title to the shares including:

  • beneficial ownership
  • sellers’ incapacity
  • defective documents

In relation to real estate assets, policies can also be arranged to include cover for identified issues including:

  • restrictive covenants
  • chancel repair liability
  • rights to light
  • missing searches

Coverage and important points to note

The insured will be the owner, a buyer, a lender or financing institution / bank. They can also protect any entity with an interest in the underlying assets, often including successors in title.

The policy period can survive duration of ownership and can be assigned to future buyers or successors in title.

Purchasers of Title Insurance often buy up to the full purchase price value of the business / asset / property to ensure the most comprehensive cover is afforded.

The one-off policy premium is calculated as a percentage of the policy limit and the rate will be determined based on factors such as location of the assets and nature of the risk. Premium rates are typically very competitive.

Process

Title Insurance policies can be put into place quickly and efficiently due to the nature of the underlying risk and the expertise in the market. Title policies can be issued as standalone policies or certain elements can be accommodated into a Warranty and Indemnity (W&I) / Representations and Warranty (R&W) process to ensure the most effective solution is placed.

Pawar Tan

Tan Pawar

Head of Private Equity and M&A

T: +44 (0)20-7480-0264
M: +44 (0)7341-133-007
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Andrews Dean

Dean Andrews

Head of Tax Liability Insurance

T: +44 (0)20-7480-0308
M: +44 (0)7876-815-643
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Wallace Sophie

Sophie Wallace

Divisional Director

T: +44 (0)20-7480-0378
M: +44 (0)7824-605-613
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Leitch Harry

Harry Leitch

Director, Head of Deal Origination

T: +44 (0)20-7480-0346
M: +44 (0)7770-990-368
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Kemp Simon

Simon Kemp

Group General Counsel

T: +44 (0)20-7480-7288
M: +44 (0)7825-844-988
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Marcus Christie

Associate

T: +44 (0)20-7374-5937
M: +44 (0)7826-532-908
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Simon stephan

Stephan Simon

Head of W&I Insurance – UK

M: +44(0)7785-720-944
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Kanwar Chandini

Chandini Kanwar

Associate Director

T: +44 (0)20 7374 5990
M: +44 (0)7825 421 394
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UK

One America Square
London EC3N 2LS
United Kingdom

T: +44 (0)20-7480-7288

Stone Jason

Jason Stone

Managing Director, Canada

M: +1 416-845-4572
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Allen logan

Logan Allen

Associate

M: +1 416-722-8171
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Toronto

1 University Ave,
Toronto, ON M5J 2P1

Lee Sandra

Sandra Lee

CEO & Head of PEMAT, Asia

T: +852 3579 5485
M: +852 9255 7088
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De Lange Martijn

Martijn de Lange

Managing Director

T: +852 3579 5486
M: +852 9772 9951
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Wong Aris

Aris Wong

Managing Director

M: +65 8321 6236
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Sagar Mehta

Associate Director

M: +65 8010 2687
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Swee Faith

Faith Swee

Senior Associate

M: +65 8949 3439
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Jessica Xi

Senior Associate

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M: +852 6713 1883
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Ryan Heng

Senior Associate

M: +65 8792 6334
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Yongtak Lee

Yongtak Lee

CEO & Managing Director

T: +82 2 6405 1021
M: +82 10 3110 2807
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Kim Tamara

Tamara Kim

Chief Legal Officer & Senior Director

M: +82 10 7365 4628
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Kaylee Kim

Associate

T: +82 2 6405 1021
M: +82 10 7106 1709
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Cha Chloe

Chloe Cha

Senior Associate

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M: +82 10 7164 7071
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Jayasundara Nelumi

Nelumi Jayasundara

Associate

M: +852 9801 3916
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Cho Wooyoung

Wooyoung Cho

Junior Associate

T: +82 2 6405 1021
M: +82 10 7120 1827
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Singapore

138 Market Street #05-01,
CapitaGreen,
Singapore 048946

T: +65 9384 6484

Hong Kong

4/F, Lee Garden Three,
1 Sunning Road,
Causeway Bay, Hong Kong

Seoul

#1908 19Fl., S Tower Bldg.,
82 Saemunan-ro, Jongno-gu,
Seoul, South Korea

T: +82 2-723-1800

Godden Andrew

Andrew Godden

Chief Executive Officer - Australia

T: +61 (2) 9165-3502
M: +61 (0) 432-805-729
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Sydney

Level 3,
222 Clarence Street,
Sydney NSW 2000

T: +61 (2) 9165-3500

Claro Fernando

Fernando Claro

Chief Executive Officer, Iberia

T: +34 91-419-76-30
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Madrid

c/ Serrano, 240. Planta 5
28016 Madrid

T: +34 91-419-76-40

Astorqui Jose

Jose H. Astorqui

CCO, Latin America & Caribbean

T: +1 786-581-1899
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Miami (US)

800 Brickell Avenue
Suite 350, Miami, Florida 33131

T: +1 786-581-1896