The 2010 self-imposed risk retention limits for the Fidelity National family of title insurers have been published. If a company is asked to issue a policy in an amount greater than the retention limit in a particular transaction, it will minimize its risk by ceding reinsurance to another insurer. Typically, reinsurance will be ceded to other companies within the corporate family, if possible. The normal aggregate limit is $850,000,000 (which is less than the sum of all of the insurers listed below). This may be broken down as follows (in alphabetical order):
Company Amount
Alamo Title………………………$ 11,7000,000
Chicago Title ……………………….485,000,000
Commonwealth Land Title…………194,400,000
Fidelity National Title…………….. ...250,700,000
Lawyers Title………………………...114,500,000
Security Union Title………………......47,500,000
Ticor Title ……………………………..54,600,000
Ticor Title of Florida…………………..40,500,000
TOTAL………………………….. $850,000,000
In other words, a policy in the face amount of $850,000,000 can be issued without the need to cede reinsurance to insurers outside the corporate family. If reinsurance is requested or required in a particular transaction, it will be arranged by the Reinsurance Department in the FNTG Home Office in Jacksonville, Florida.