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Whether you're looking to quickly estimate your Errors & Omissions (E&O) insurance premium or purchase a Surety Bond instantly, you’re in the right place. Our streamlined tools help you protect your business and meet industry requirements with ease - simply choose your option below to get started.

E&O Insurance vs. Surety Bond for Title Agents

Although both are commonly required in the title industry, Errors & Omissions (E&O) insurance and surety bonds serve very different purposes and protect different parties.

1.  Errors & Omissions (E&O) Insurance

• Who it protects: You (the title agent or agency)

• What it is: E&O insurance is professional liability insurance. It protects a title agent or title agency when a client alleges that a mistake, oversight, or failure in professional services caused them a financial loss.

• Why it matters; Even a small title error can lead to lawsuits costing tens or hundreds of thousands of dollars. E&O protects your business assets, reputation, and cash flow.

In short: E&O insurance protects your firm from lawsuits.

2. Surety Bond (Title Agent Bond / Escrow Bond)

• Who it protects: The public, clients, and regulators — NOT you

• What it is: A surety bond is a licensing and compliance requirement in many states. It guarantees that the title agent will follow state laws and ethical standards.

It is a three party agreement:

• • Principal: the title agent or agency

  • Obligee: the state or harmed party

  • Surety: the bond company

• Why it exists: The bond exists to protect consumers and regulators, not the title agent. Think of it as a financial guarantee of your integrity, not insurance.

In short: A surety bond protects others FROM you.