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FNTG sets Risk Retention Limits for 2015

The 2015 self-imposed risk retention limits for the Fidelity National family of title insurers have been published; the aggregate amount is $1,447,700,000.00.

If an FNTG 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 $1,447,700,000, which is the sum of the individual limits of each of the insurers listed below. This may be broken down as follows (in alphabetical order):

Company                            Amount

Chicago Title                      $725,900,000

Commonwealth Land Title    245,000,000

Fidelity National Title           476,800,000


Fidelity Family Limit         $1,447,700,000

In other words, a policy in the face amount of $1,447,700,000 can be issued without the need to cede reinsurance to insurers outside the corporate family. Owing to a series of corporate mergers effectuated in 2010, Lawyers, Security Union, Ticor and Ticor of Florida no longer appear on the list. For regulatory reasons, Alamo (which does not do business in NJ) is excluded from the aggregate limit.

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