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
More Info / Email Me

Andrews Dean

Dean Andrews

Executive Director, Head of Tax and Contingent Liability Insurance

T: +44 (0)20 7480 0308
M: +44 (0)7876 815 643
More Info / Email Me

Wallace Sophie

Sophie Wallace

Director

T: +44 (0)20 7480 0378
M: +44 (0)7824 605 613
More Info / Email Me

Default Avatar

Matthew Gillam

Director

T: +44 (0)7353 097 262
Email Me

Kemp Simon

Simon Kemp

Group General Counsel

T: +44 (0)20-7480-7288
M: +44 (0)7825-844-988
More Info / Email Me

Matthew Grice 1200x1200

Matthew Grice

Divisional Director

M: +44 (0)7776 568 847
Email Me

Default Avatar

William Banks

Associate Director, Secondaries

M: +44 (0)7353 097 250
Email Me

Default Avatar

Rian Bahia

Associate Director

M: +44 (0)7823 672 455
Email Me

Kanwar Chandini

Chandini Kanwar

Associate Director

T: +44 (0)20 7374 5990
M: +44 (0)7825 421 394
More Info / Email Me

Christie Marcus 1200x1200 web

Marcus Christie

Associate Director

T: +44 (0)20 7374 5937
M: +44 (0)7826 532 908
More Info / Email Me

UK

One America Square
London EC3N 2LS
United Kingdom

T: +44 (0)20 7480 7288

FREILICH eric

Eric Freilich

Director, Legal Counsel, Private Equity and M&A

M: +1 647 533 9699
More Info / Email Me

Allen logan

Logan Allen

Director, Private Equity and M&A

M: +1 416-722-8171
More Info / Email Me

Toronto

161 Bay Street, Suite 4140,
Toronto, ON M5J 2S1

Lee Sandra

Sandra Lee

CEO & Head of PEMAT, Asia

T: +852 3579 5485
M: +852 9255 7088
More Info / Email Me

De Lange Martijn

Martijn de Lange

Managing Director - PEMAT

T: +852 3579 5486
M: +852 9772 9951
More Info / Email Me

Jayasundara Nelumi

Nelumi Jayasundara

Senior Associate - PEMAT

M: +852 9801 3916
More Info / Email Me

Hong Kong

20/F Leighton Centre
77 Leighton Road
Causeway Bay
Hong Kong

Godden Andrew

Andrew Godden

Chief Executive Officer - Australia

M: +61 (0) 432-805-729
Email Me

Sydney

Level 3,
222 Clarence Street,
Sydney NSW 2000

T: +61 (2) 9165 3511

Ong Rae

Rae Ong

Business Development Lead - PEMAT

M: +65 9783 5566
More Info / Email Me

Heng Ryan 1200x1200

Ryan Heng

Director - PEMAT

M: +65 8792 6334
More Info / Email Me

Soh Ryan 1200x1200

Ryan Soh

Associate - PEMAT

T: +65 9792 5282
More Info / Email Me

Singapore

61 Robinson Road,
#09-05,
Singapore 068893

T: +65 6018 0537

Claro Fernando

Fernando Claro

Chief Executive Officer, Iberia

Email Me

Schmitz Kai

Kai Schmitz

Head of Tax Insurance – Iberia

M: +34 672 334 459
Email Me

Ricardo Lecaro

Ricardo Lecaro Manrique

Head of M&A Insurance – Iberia

M: +34 677 741 647
Email Me

Madrid

Paseo de la Castellana 28, entreplanta
28046 Madrid

T: +34 91 419 76 40

Yongtak Lee

Yongtak Lee

CEO & Managing Director

T: +82 2 6405 1021
M: +82 10 3110 2807
More Info / Email Me

Cha Chloe

Chloe Cha

Associate Director

T: +82 2 6405 1021
M: +82 10 7164 7071
More Info / Email Me

Seoul

S-Tower Kwanghwamun Co-Workers,
Sinmun-ro 1-ga, #1818 18F,
82 Saemunan-ro, Jongno-gu,
Seoul 03185

T: +82 2-723-1800

Schmitz Kai

Kai Schmitz

Head of Tax Insurance – Iberia

M: +34 672 334 459
Email Me

Ricardo Lecaro

Ricardo Lecaro Manrique

Head of M&A Insurance – Iberia

M: +34 677 741 647
Email Me

Miami (US)

800 Brickell Avenue
Suite 350, Miami, Florida 33131

T: +1 786-581-1896

Hewitt Tim

Tim Hewitt

Head of BMS Japan/ Managing Director

M: +81 70 9127 2075
More Info / Email Me

Tokyo

Pacific Century Place 13F,
1-11-1 Marunouchi,
Chiyoda-ku,
Tokyo