Thomas Title & Escrow is an agent for multiple underwriters. How is an insurance agent different from an insurance underwriter?


As an independent agent, we issue title insurance policies underwritten by national title insurance underwriters and the ultimate risk of loss is borne by the title insurance underwriter, not the issuing agent. In most jurisdictions, insurance underwriters issue their own title insurance policies in direct competition with their authorized agents. Our relationship with multiple national underwriters gives us the ability to provide clients with greater underwriting flexibility than any single title insurance underwriter could by itself. Title insurance premiums are the same whether you purchase through an independent agent or purchase directly from an underwriter.

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