Title Insurance

The Strength, Security and Stability of an ATGF Title Insurance Policy



While ATGF is smaller than some other underwriters, there is much more behind an ATGF policy than meets the eye. ATGF retains only a maximum of $250,000 of risk on any single policy. Additional risk is reinsured with Lloyd’s of London, the world’s oldest and most respected insurance organization. This reinsurance is backed by several Lloyd’s syndicates which have greater financial resources than the four largest U.S. title underwriters combined. In addition, ATGF maintains insurance coverage for fidelity and defalcation losses through Lloyd’s.

Demotech, the leading rating agency for title insurers, states on its website that “small, well-managed Title Underwriters often can be more financially stable than larger, highly leveraged underwriters.” ATGF is a perfect example of how this is true. ATGF’s industry-leading software systems provide unprecedented controls which minimize risk and errors. These controls, ATFG’s more than 60 years of issuing and honoring policies, and the financial backing of Lloyd’s make an ATGF policy the choice of unsurpassed security.

North American Title Reinsurance Group and Lloyd’s of London

In 2012 ATGF joined with four other title underwriters to form the American Title Reinsurance Alliance (ATRA).   ATRA grew to nine underwriters.   In 2023, all the members of the group formed the North American Title Reinsurance Group (NATRG), which provides all of the participants with reinsurance underwritten through Lloyd’s of London. This program provides ATGF with the backing of Lloyd’s syndicates on all transactions more than $250,000.   The programs covers policies up to $20 million.  Nine Lloyd's Syndicates currently participate in the coverage. Eight have an AM Best Rating of A or better. ATGF also has access to facultative reinsurance that enables ATGF’s to insure transactions in excess of $20 million.

Fidelity and Defalcation Coverage

ATGF’s financial stability is further ensured with $3 million of coverage through a fidelity bond also obtained from Lloyd’s of London. This policy includes coverage for ATGF not only in the event of a theft by an employee, but also for a defalcation by any of its agents.

The History behind the Policy

Attorneys Title Guaranty Fund (ATGF) is a full-service title insurance company with more than 60 years of history as an underwriter.  We currently underwrite title insurance policies in Arizona, Colorado, Minnesota, Montana, Nevada, North Dakota, Utah, Alabama, Mississippi, and Louisiana. Our professionals have been providing quality title insurance products, services, and support since 1960.

Independent Review Affirms ATGF’s Financial Stability

Since 2010 ATGF has been assigned the Financial Stability Rating® (FSR) of A, Exceptional from Demotech, Inc. The significance of this FSR is illustrated by its definition from Demotech:

“Regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a Financial Stability Rating® of A possess Exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level.”

Demotech, Inc. is an independent financial analysis firm specializing in evaluating the financial stability of specialty insurers. Demotech’s Financial Stability Analysis Model involves a tactile review, as well as computation and analysis of financial ratios to determine the current and future financial stability of the title underwriter.

Unprecedented Underwriting Oversight and Control

ATGF’s automated title insurance distribution and underwriting platform, known as EPIC (Electronic Policy Issuance Capability), provides ATGF with more real-time knowledge and control over agent activities than any other title insurer in the United States. The capabilities of the EPIC system include functionality which:

  • Protect consumers from illegal issuance of insurance products
  • Is easily adjustable for compliance with future lenders or regulatory parameters
  • Provides real-time Agent/Policy control and
  • Streamlines claims handling and increases back-office efficiency

EPIC also provides ATGF with controls that ensure agent compliance with state and federal laws, therefore protecting lenders from CFPB liability.

Financial Performance and Stability

ATGF’s assets substantially exceed the amounts required of it by regulators in the jurisdictions where it operates.  The company had $6.7M in total operating income in 2023.  ATGF has strengthened its position by growing its policyholder surplus, which is $2.9M with total assets of over $6.3M as of the end of 2023.  ATGF’s ratio of premium written to policyholder surplus is less than 4:1 which is superior to the ratios of many larger underwriters.

Regulatory Oversight

ATGF is domiciled in the state of Colorado and regulated within the state by the Colorado Division of Insurance, in addition to its activities being regulated in the other states where it conducts business. In ATGF’s most recent market conduct examination by the Colorado Division of Insurance; ATGF was found to have achieved superior statutory and regulatory compliance to that of any other title underwriter, recently subjected to a Colorado market conduct exam in the same cycle.

Let ATGF insure your next title insurance policy

For more information, please contact:

Eric Morgan, President



About Attorneys Title Guaranty Fund, Inc.

Founded in 1960, ATGF provides best in class title insurance underwriting and services for more than 60 years. The company's mission is helping agents succeed through trusted products and services, innovative technology and amazing support. The company currently pursues this mission by underwriting, training and supporting agents in Colorado, Utah, Minnesota, North Dakota, Nevada, and Arizona.  ATGF has maintained a strong Financial Stability Rating(r) (FSR) of A, Exceptional, from the independent rating agency, Demotech, Inc.