Premiums for commercial & high-liability transactions. Change the numbers and hit Calculate to see it work — on your live site it's branded to you and uses your state's exact rates.
Premiums for commercial & high-liability transactions
We'll reach out shortly to set up your calculator.
Commercial transactions carry higher values and liability than residential, and their title premiums follow a different rate structure. This calculator estimates the commercial owner's and lender's premiums for larger deals.
Offering a commercial premium estimator on your website signals to attorneys, investors, and commercial lenders that your office is equipped for sophisticated transactions.
On the same filed or promulgated schedule as residential, but the bands step down as liability rises, so effective rates fall substantially at higher policy amounts.
Endorsements. Zoning, survey, access, contiguity and non-imputation coverage are priced separately and on a large file can exceed the base premium.
The owner's policy form is generally the same, but the endorsement set, the survey requirements and the underwriting scrutiny are entirely different.
Yes — it's built for higher-value commercial deals where the premium structure differs from a standard home sale.
It's an accurate estimate for early quoting; your office confirms the final commercial premium, which we note clearly.
Yes, and it is set by the same filed or promulgated schedule as residential. Small commercial parcels frequently price at the minimum, which is why a percentage-based estimate is wildly wrong at the bottom of the range as well as the top.
It should be shown separately, because on commercial files the search and examination effort is driven by the chain of title and the number of parcels rather than by the policy amount. Bundling it into the premium hides the part that actually varies.
Promulgated and filed schedules step down at higher bands, so the effective rate on a $12 million policy is a fraction of the rate on a $400,000 one. Estimating commercial premium by applying a residential percentage produces a number that is wrong by a wide margin.
On commercial files the endorsements — zoning, survey, access, contiguity, non-imputation — frequently exceed the base premium. A commercial estimate that shows only the basic premium is not an estimate.
Commercial brokers and their counsel are a small, high-value referral pool. A calculator that handles the upper bands correctly signals that you handle commercial work, which is the whole reason they would call you.
A commercial file may involve multiple parcels, decades of corporate conveyances, easements, leases and subordination agreements. The search and exam effort is not proportional to the premium, which is why commercial quoting is a conversation rather than a calculation.
Authority to convey has to be established through operating agreements, resolutions and good-standing certificates. On a large file that is frequently the item that moves the closing date, and it is the reason experienced commercial counsel asks who your underwriter is early.
Agents, lenders, buyers and sellers submit everything online, and each submission returns to the agency as a completed PDF ready for the file — no email tag, no retyping. Branded to the agency and mobile-friendly. These six are the most used of the eleven we build.
Clients upload a signed purchase contract and any addenda — you open the file and start title work right away.
Open form →Buyers complete intake online and you receive it as a PDF — or they download it to fill out by hand.
Open form →Sellers complete intake online and you receive a PDF — or download it to complete on paper.
Open form →Sellers and refinancers e-sign to authorize a payoff request — so net sheets are accurate and prior liens clear at closing.
Open form →Agents and lenders open a new file in one step — property, parties, lender, and closing date. No back-and-forth emails.
Open form →Clients upload IDs, payoffs, and sensitive documents through an encrypted portal.
Open form →No setup fee, no long-term contract, 60-day money-back guarantee. Full plan comparison →