Commercial Title Insurance
Comprehensive title insurance coverage for commercial property transactions. Alltech National Title issues policies covering ownership disputes, liens, encumbrances, and title defects — customized to the transaction, not off the shelf.
Ownership Dispute Coverage
Protects against prior claims to the property that weren’t surfaced during the title search — including claims arising from prior corporate transfers.
Lien Protection
Covers mechanics liens, tax liens, and judgment liens that appear after closing — protecting both the owner and lender from undisclosed encumbrances.
Zoning & Encumbrance Coverage
Protection if the property can’t be used as intended due to recorded restrictions, easements, or zoning conditions not identified before closing.
Lender Title Policies
ALTA lender policies issued alongside owner policies for every financed commercial transaction. Required by most lenders and issued concurrently to reduce cost.
Why Commercial Title Insurance Matters
Commercial properties change hands through entities — LLCs, corporations, trusts — and each transfer creates risk if prior documentation wasn’t clean. A title search finds what’s on record; title insurance protects against what wasn’t. On a $5M+ acquisition, the one-time premium is immaterial compared to the exposure you’re covering.
Alltech issues through multiple underwriters and can match coverage to asset class — office, retail, industrial, multifamily, mixed-use, or specialized structures. If your transaction has unusual features, ask us before assuming standard coverage applies.
Frequently Asked Questions
Why are commercial title closings more complex than residential?
You’re dealing with entities rather than individuals — each with their own corporate structure, legal counsel, and due diligence requirements. Zoning restrictions, ownership history across corporate chains, lender approval layers, and entity vesting all add complexity. The stakes are also higher: commercial assets are more expensive, so every title defect and escrow condition carries more weight.
How long does a commercial closing take?
On average, 70 to 95 days. A clean title search and responsive communication from both sides can bring that closer to 60. Complications — liens, ownership disputes, lender conditions — can extend it. The most common delay is documentation that wasn’t ordered early enough. We push for early title search and lender coordination to compress the timeline wherever possible.
How do I evaluate a title company?
Ask about ALTA certification — it’s the industry quality standard for title companies. Ask what asset classes they routinely handle, and ask for a specific example of a problem they resolved mid-transaction. If they can’t answer that last question in detail, they haven’t done enough volume to be a reliable partner on a complex deal.
If the deal falls through, do I get my escrow money back?
It depends on the purchase agreement and the reason the deal fell through. If the seller misrepresented the property, the buyer generally has a right to the escrow refund. If the buyer backs out after the due diligence contingency expires, the seller may be entitled to keep the deposit. Your attorney should review the contract terms before earnest money is deposited.
Can I submit earnest money in a commercial deal?
Yes — and in competitive markets it’s often expected. Commercial earnest money deposits are typically larger than residential (1–5% of purchase price is common). Understand the contingency windows and what happens to the deposit if you can’t close before submitting. Alltech holds escrow in fully insured accounts with wire fraud protections on every disbursement.
Get a Quote or Ask About Coverage
Get a quote or ask about coverage for your transaction.