Securing Commercial Real Estate Transactions

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Head Office

2235 Sheridan Garden Drive,

Oakville, Ontario,

L6J 7Y5

Email
contact@fct.ca

Phone
1.800.307.0370

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Commercial Title Insurance

Why choose FCT for your commercial transaction?

Key Features

One-time premium

No deductible

No-fault claims process

Long-term coverage

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Title insurance is a form of protection that safeguards both the property owner and lender from financial losses caused by various issues, such as problems with surveys, non-compliance with municipal agreements, title defects, and claims against their property ownership.

Unlike traditional property and casualty insurance, title insurance covers not only issues that existed before the policy's start date, but also certain problems that may arise in the future, such as title fraud.

In the event that the insured's interest in the property is challenged due to a covered risk, we are obligated to defend them and cover all associated expenses, including legal fees and costs. This responsibility is known as our "duty to defend".

Our duty to defend

Unlike traditional property and casualty insurance, title insurance covers issues that existed before the policy’s effective date, as well as certain issues that may occur in future – including title fraud.¹

Our Comprehensive Coverage

Canadian pioneer and innovator with over 30 years of experience in the industry

Trusted partnerships with over 450 lenders and over 43,000 legal professionals

Our Certified Fraud Examiners are experts at detecting suspected fraud

Dedicated team to support you through the entire process

The experience of our underwriters allows us to be flexible and customize policies to cover many known and unknown defects such as prior charges, liens or encumbrances that may affect the title to your clients’ property. The experience of our underwriters allows us to be flexible and customize policies to cover many known and unknown defects such as prior charges, liens or encumbrances that may affect the title to your clients’ property.

We cover issues that would have been revealed if a survey³ was completed before closing. In cases where an existing survey of the property is available, we can insure its accuracy. If this existing survey reveals a costly issue, like a building encroachment, we can provide coverage over the issue to ensure the deal closes on time.

Unfortunately pre-existing issues like errors in public records, errors in government responses, non-compliance with municipal agreements, and zoning by-law violations can arise after a deal has closed. We work to correct these issues and/or compensate the insured if required.

Our gap coverage protects against losses from third party registrations that appear between the time documents are submitted for registration and when the registration is completed. This coverage is particularly helpful in jurisdictions with registration delays and for multi-site or multi-jurisdictional closings. It allows funds to be released once the documents are executed, instead of waiting until they are registered.

Our underwriting process works to stop title fraud before it occurs and protects your clients against fraudulent activity that may have happened before the closing date, during the insured transaction, or after the transaction closes.

¹ For specific coverage, exclusions and limitations refer to the applicable policy, schedule or endorsement.
² Real property report or certificate of location where applicable.
³ Excluding vacant land when the owner’s policy is issued.