More than a policy
Real estate errors and omissions insurance

Did you know that the majority of Canadian lawyers will be sued for malpractice during their career ? *

We understand the risks you face. That’s why—by simply signing up—our annual E&O Extra™ policy coverage is now included to protect you on every transaction you title insure with us.

Whether you’re a new or existing client, all you have to do is sign up and provide some basic information.

Then, just order title insurance through FCT and you’re covered. How simple is that?


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FCT’s E&O Coverage

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According to our research, real estate is one of the riskiest areas of law. Even when you take all the necessary precautions to avoid risk, at some point in your career—or after you retire—you may be faced with an errors and omissions claim.

If you’re faced with a claim, using your errors and omissions coverage can be expensive. That is, unless you have E&O Extra™ from FCT.

Deal Protection Endorsement

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FCT’s Deal Protection Endorsement offers you and your clients more protection on every deal. By adding this endorsement to every residential FCT title insurance policy you order, you can offer peace of mind to the insured on purchase and refinance transactions. Click here to learn more.

E&O productsWhat’s included
Coverage limits
Annual cost
E&O Extra™**
If a claim is filed against your current mandatory errors and omissions insurance, your E&O Extra™ policy will provide reimbursement for:

  • your deductible payment,

  • any increase in premium surcharge payments.

$30,000 per qualifying real estate transaction† (maximum deductible of $10,000).

$90,000 aggregated lifetime maximum coverage.
E&O Extra™ premium: $400.00

Discount: ($400.00)


Total annual cost: $0.00
E&O Complete**
You will get all the coverage in the E&O Extra™ policy, plus:

  • Direct, hassle-free coverage to help settle client claims that are $10,000 or less.

  • All the above coverage for both vendor and mortgage qualifying real estate transactions where the insured did not have the opportunity to purchase title insurance.

Above E&O Extra™ coverage, plus:

Maximum of three claims or $10,000 per policy period (whichever happens first).
E&O Complete premium: $700.00


Total annual cost: $700.00 plus applicable taxes
E&O productsE&O Extra™**
What’s includedIf a claim is filed against your current mandatory errors and omissions insurance, your E&O Extra™ policy will provide reimbursement for:

  • your deductible payment,

  • any increase in premium surcharge payments.

Coverage limits$30,000 per qualifying real estate transaction† (maximum deductible of $10,000).

$90,000 aggregated lifetime maximum coverage.
Annual costE&O Extra™ premium: $400.00

Discount: ($400.00)


Total annual cost: $0.00
E&O productsE&O Complete**
What’s includedYou will get all the coverage in the E&O Extra™ policy, plus:

  • Direct, hassle-free coverage to help settle client claims that are $10,000 or less.

  • All the above coverage for both vendor and mortgage qualifying real estate transactions where the insured did not have the opportunity to purchase title insurance.

Coverage limitsAbove E&O Extra™ coverage, plus:

Maximum of three claims or $10,000 per policy period (whichever happens first).
Annual costE&O Complete premium: $700.00


Total annual cost: $700.00 plus applicable taxes
Sign up now

For more information on our E&O Extra™ and E&O Complete policies, please contact us
today by phone at 1.866.804.3122 and by email moreprotection@FCT.ca.

* https://www.cba.org/Publications-Resources/CBA-Practice-Link/Young-Lawyers/2016/insurance

†Refer to the applicable policy or endorsement for definition.

Insurance by FCT Insurance Company Ltd. Services by First Canadian Title Company Limited. The services company does not provide insurance products. This material is intended to provide general information only. For specific coverage and exclusions, refer to the applicable policy. Copies are available upon request. Insurance brokerage services by FCT Insurance Services Inc. Some products/services may vary by province. Prices and products/services offered are subject to change without notice.

®Registered Trademark of First American Financial Corporation.