Title insurance

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Key benefitsWhat's covered?Risk appetiteOur global team
Title

Specialists in title and legal indemnity

DUAL has been a trusted partner in Title and Legal Indemnity underwriting for over 10 years. Our strength lies in the depth and breadth of our innovative Title underwriting teams that work closely with our established carrier and extensive broker partners.

Our Title policies facilitate deals by enabling deal teams to move ownership risks from the buyer and/or seller to the insurance market. Title insurance offers protection against financial losses that result from title defects connected to both real estate and share transactions.

Policies are tailored to specific sectors and geographic markets and can cover both known and unknown risks.  DUAL can currently offer Title solutions across UK, Europe, and APAC through the unparalleled depth and breadth of our underwriting expertise with local market experts in: London, Dublin, Amsterdam, Stockholm, Warsaw, Frankfurt, Barcelona, Madrid, Milan, Melbourne and Sydney.

DUAL specialises in designing title insurance solutions for real estate, renewable energy, distressed assets, and more. 

Our experts manage title risks across the world. DUAL's specialist Title insurance teams span the UK, Europe, and the Asia-Pacific. Wherever your clients operate, we're confident we can achieve positive outcomes. 

100+

Transactional Risk experts globally

Global

Underwriting solutions in every continent

A rated

capacity provider

Who we work with

We work closely with our broker partners to ensure we have deep understanding of the needs of deal teams and provide tailored coverage to the specific needs of their clients.

DUAL supports a wide range of clients, including:

  • Private equity and private equity real estate funds
  • Private investors
  • Banks and lenders
  • Real estate asset owners
  • Companies involved in M&A
  • Real estate developers
  • Alternative asset managers
Title

Key benefits

  • 100% coverage

    Policies can cover up to 100% of the enterprise or gross development value, subject to capacity limits.

  • Global capability, local knowledge

    With offices across the UK, Europe, and the Asia-Pacific, we have local experts on the ground around the world.

  • High limits for portfolio deals

    Our experts can navigate complex, high-value portfolio multi-jurisdictional transactions. We can arrange bespoke limits tailored to client needs.

  • A-rated security

    DUAL is backed by long-term A-rated capacity, offering quality protection for clients.

What’s covered?

Our specialist Title underwriters can arrange cover on a standalone basis or alongside other DUAL Transactional Risk products. We build around your client’s unique exposures, crafting bespoke wordings that deliver comprehensive protection. Depending on the nature of the transaction our Title coverage typically includes:

All-risk title and share policies provide wide-ranging protection from both known and unknown risks. 

Typical unknown risks include:

  • Ownership defects, such as a third parties demonstrating better title
  • Third-party rights, including encumbrances and unregistered interests 
  • Documents that were not registered or otherwise undiscoverable
  • Breaches of covenants, restrictions, and easements
  • Seller fraud and forgery 
  • Illegal building works
  • Boundary disputes

Policies can also cover specific risks identified during due diligence. Typical specific risks include:

  • Missing documents
  • Gaps in historical share and title chains
  • Planning and access issues
  • Missing powers of attorney
  • Improper local or municipal procedures
  • Improper endorsement of share certificates
  • Technical legal risks affecting the incorporation or legal existence of companies

Commercial legal indemnity insurance protects businesses and investors against legal risks affecting commercial property or corporate transactions. Policies provide wide-ranging protection against both known and unknown risks. 

Typical specific risks include:

  • Restrictive convents/title conditions
  • Lack of easements/servitudes
  • Mines and mineral
  • Third party rights
  • Missing documents
  • Planning, s106 or zoning issues
  • Lease issues
  • Judicial review
  • Chancel repair

Policies can also cover specific risks identified during due diligence. Typical unknown risks include:

  • Ownership (third parties demonstrating better title)
  • Unknown covenants, restrictions, rights, easements or servitudes
  • Undisclosed charges, loans or liens
  • Boundary disputes
  • Fraud
  • Forgery
  • Seller misrepresentation
  • Documents that were not registered against the title or otherwise undiscoverable

Residential legal indemnity insurance protects owners and lenders from financial loss in a residential property sale. Policies cover specific risks that could affect the ownership or use of the property. 

Typical specific risks include:

  • Covenants, rights, reservations, and easements 
  • Easements and servitudes
  • Defective leases 
  • Planning permissions and building regulations 
  • Defective title 
  • Financial insolvency 
  • Searches
  • Mines and minerals reservations

Right of light insurance responds to a wide range of potential exposures linked to right of light claims. Our policies cover financial losses, including:

  • Market value loss 
  • Legal defence costs 
  • Abortive costs
  • Demolition and reinstatement 
  • Consequential losses

Fundamental top-up warranty insures capacity and title related warranties up to the full investment value (subject to capacity limits). 

Policies can:

  • Match the fundamental warranties
  • Enhance protection where the seller’s liability cap is limited
  • Extend cover beyond the seller’s warranty survival period 
Title

Our risk appetite

Our Title and broader Transactional Risk teams can arrange cover for any type of M&A or real estate transaction, no matter how complex. Industries where we are particularly active include:

  • Renewable energy projects

  • Office

  • Retail

  • Mixed-use

  • Logistics

  • Distressed assets

Underwriting requirements

Our underwriting process is designed to be quick and straightforward. Taking a collaborative approach, we consider each risk on its own terms and work with you to find a solution. 

Please get in touch to discuss the specific requirements for your proposal.

Why choose DUAL?

  • Unparalleled expertise

    We pride ourselves on our experienced Title underwriters who work collaboratively with their colleagues across all DUAL Transactional Risk product lines.

  • Streamlined underwriting process

    Where two or more DUAL Transactional Risk policies are being placed, we can provide a streamlined single underwriting process and policy negotiation, thereby removing the need for deal teams to manage multiple workstreams.

  • Innovative approach

    We consider each risk on its own terms and have the experience and extensive expertise to find creative solutions. Furthermore, we can tailor the cover of complementary DUAL Transactional Risk products such as W&I and Environmental Investment Protection to ensure no gaps or double coverage issues.

  • A unified claims approach

    DUAL Transactional Risk’s in-house Claims Team ensure we deliver a consistent high level of claims service across all of DUAL Transactional Risks’ products and markets.

Meet our Title management team

Below is our Title management team. For a full list of our Title people, including regional specialists, please see the complete team listing below.

  • Photo of David Persaud
    International

    David Persaud

    Linked In
    International Head, Title & Legal Indemnity and Management team
  • Photo of Ian Mellor
    UK & Ireland

    Ian Mellor

    Linked In
    Managing Director, Title & Legal Indemnity
  • Photo of Chris Hammond
    APAC

    Chris Hammond

    Linked In
    Head of Title Insurance, Title & Legal Indemnity
  • Photo of Alex Noguera Trias
    Southern Europe

    Alex Noguera Trias

    Linked In
    Head of EEA, Title & Legal Indemnity
  • Photo of Emilia Binder
    DACH & CEE

    Emilia Binder

    Linked In
    Head of CEE & DACH, Title & Legal Indemnity

See our global Transactional Risk team

Visit our meet the team page to find the correct team member for your product and region, including their direct contact details for enquiries and support.

Meet the team
Title

Underwriting locations

Global capability, local knowledge.

Wherever you are in the world, our local experts are ready to support you.

We're here to help

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