Title Abstractor Insurance

business owners protected by title abstractor insurance

Stay in the Clear With Title Abstractor Insurance

Your attention to detail ensures seamless closings for agents and clients, but even the smallest oversight can lead to costly complications. Title abstractor insurance helps protect your business from risks, so you can continue providing accurate, reliable service.
 
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business owners protected by title abstractor insurance

What Is Title Abstractor Insurance?

Title abstractor insurance is made up of different types of business insurance coverages to help protect you from the risks that come with researching and verifying property records. Different types of coverage can help protect your business from claims related to errors, disputes or damages that may come up while you conduct title searches, examine public records and provide documentation.
 
As a title abstractor, you know that even after the most diligent research, surprises can turn up. These can include missing documents, overlooked liens and unexpected legal challenges that can completely disrupt the closing process. Insurance can help protect you from:
 
  • Errors and omissions
  • Property damage
  • Stolen equipment
  • Personal injury

Why Might You Need Title Abstractor Insurance?

Title abstractor insurance can help shield your business from the financial and legal impact of claims. Without insurance, your business is vulnerable to a variety of risks, and you might have to pay out of pocket for costly claims. Title abstractor insurance helps provide financial protection, so you can focus on your work, whether it’s:
 
  • Conducting title searches and reports
  • Handling and storing sensitive property records
  • Maintaining an office space and staff
small business owner protected by real estate abstractor insurance

Who May Need Title Abstractor Insurance?

The Hartford designed its business insurance coverage with title and real estate professionals in mind. Our coverage can help protect:
 
  • Independent title abstractors
  • Title search companies
  • Title examiners
  • Escrow and settlement service providers
  • Real estate closing support businesses
  • Property record retrieval services

What Type of Insurance Do I Need as a Real Estate Abstractor?

Many title abstractors have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims like personal injury and property damage.
 
A BOP includes: 
 
General liability insurance to help protect your title business from claims that it caused bodily injury or property damage to others, like if someone gets hurt at your office.
 
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your business. These can include:
 
  • Laptops, tablets and scanners
  • Hard drives and storage systems
  • Legal reference materials
  • Office furniture and workspaces
  • Shelving and filing cabinets
Business income insurance to help replace lost income if you can’t operate your title company temporarily because of a covered event, like your office space being damaged by fire, theft or a windstorm.
 
At The Hartford, we know title abstractors face specific risks. So, we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection. These include: 
 
Protect Your Work and Your Business
Get the coverage you need for liabilities and unexpected disputes that could put your title business at risk.
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How Much Does Title Abstractor Insurance Cost?

The average costs The Hartford’s small business customers in this industry pay for common coverages are:**
 
  • BOP: $789 a year, or $66 a month
  • Stand-alone general liability insurance: $473 a year, or $39 a month
  • Workers’ compensation insurance: $499 a year, or about $42 a month
It’s important to remember that the cost of your title abstractor insurance may differ from the average. That’s because every business owner has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
small business owner can work knowing what is a title abstractor

Proof of Insurance on Your Time

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Covering Your Operations

Even the most efficient operations can be disrupted by unexpected issues, whether it's a software failure or a legal dispute over a title search you performed. With the right coverage, you can be better prepared to navigate the risks that could affect your day-to-day workflow, so you can keep your business running smoothly. 
Slip and falls are the third-most common claims small business owners faced between 2015-2025.1
general liability for title abstractor businesses

General Liability Insurance

“We hosted a big lunch at our office, and the caterer slipped while setting up. She filed a claim to pay for her medical costs.”
 
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Contractors Equipment Insurance for title abstractor businesses

Business Income Insurance

“A fire in our office damaged everything. The computers, files and our furniture were destroyed. We couldn’t operate for nearly a month.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if your business is unable to operate temporarily due to covered property loss.

Taking Care of Your Team

Your staff is the backbone of your title business. Whether it’s conducting research, managing sensitive data or maintaining client relationships, your employees have a critical role in the success of your business. But what would happen if they got hurt on the job? The right insurance coverage can help protect them when they need it most.
$665 million was awarded in workplace discrimination lawsuits in 2023.2
workers compensation for title abstractor businesses

Workers’ Compensation Insurance

“One of our team members started having serious back pain because of their desk setup. They filed a workers’ comp claim to cover their chiropractor costs.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
EPLI for title abstractor businesses

Employment Practices Liability Insurance (EPLI)

“My examiner had to end a contract with a software vendor we use. He was shocked to learn the vendor sued him for discrimination and harassment.”
 
Employment practices liability insurance (EPLI), which is included in a BOP, helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. The Hartford’s coverage can also help cover third-party claims.

Protecting Your Property

From laptops to your office space, you simply can’t operate without certain essentials. Insurance can help protect your assets, minimizing disruptions and financial loss. The right insurance can help cover the cost of repairs and or replacements, so you don’t miss a beat.
Over 1 million vehicles were stolen in 2023 in the U.S.3
commercial property insurance for title abstractor businesses

Commercial Property Insurance

“A leak in our HVAC system went unnoticed for weeks and by the time we caught it, the flooring in the conference room was ruined.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
commercial auto liability insurance for title abstractor businesses

Commercial Auto Insurance

“My title agent was on her way to a closing when she rear-ended another car. The other driver had to be taken to the hospital.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Frequently Asked Questions About Title Abstractor Insurance

The right type of insurance helps protect your business from a variety of claims that could arise during your work. For example, title abstractor E&O insurance can help protect your business from lawsuits claiming you made a mistake in your services. A general liability insurance policy can help cover the costs associated with bodily injury or property damage, like if a visitor or delivery driver gets hurt at your office. With business income coverage, you can even recoup lost income if a covered event disrupts your operations. 
As an abstractor for real estate, you need insurance because it helps cover the costs associated with errors, omissions and liability claims that can arise during your work. If a mistake in the title research leads to financial loss or legal disputes, you may have to cover legal fees, settlements or damages out of pocket. If you work as an independent contractor and an error results in a claim, you may have to reimburse the hiring company or client for damages. Additionally, some states may require you to carry certain types of business insurance, making it essential for staying compliant.
The best way to get title abstractor insurance is to get a quote from The Hartford. We make it easy for you to get a fast and free insurance quote online. 
company able to do business after getting abstractor real estate insurance quote

Title Abstractor Insurance That Works as Hard as You Do

Get the protection your title business needs to mitigate risk and maximize confidence.
 
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Related Articles

 
 
Last Updated: December 17, 2025
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top 5 Small Business Claims”
 
2 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report”
 
3 NICB, “Vehicle Thefts Surge Nationwide in 2023”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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