Specialists in title indemnity underwriting

DUAL provide a range of risk solutions across the globe, designed to help provide complete peace of mind and protect against legal title and ownership challenges. DUAL are a global team of innovative and experienced professionals seeking to provide the best possible solutions and service to our clients.

€600bn+

assets insured

52

active countries

11+

years’ experience

Key benefits

DUAL’s solutions can include both title to real estate and title to shares. We can design solutions as a standalone product, or to interact with a W&I policy.

Up to 100% of the enterprise or gross development value can be covered, subject to capacity limits

Policies cover actual losses incurred by the insured and the costs of defending claims. This includes, for example, legal costs, demolition, alteration or reinstatement costs, wasted development costs and identified finance costs, all arising because of an insured event.

Active coverage throughout the ownership term and beyond

All our policies provide cover throughout the insured’s ownership of the real estate and/or the shares. Coverage can be extended to cover future purchases, banks as first loss payees and group companies.

Protection against unknown or specific risks

Title and share insurance provides cover for a wide range of issues that may impact the asset’s value. Policies can be designed to cover a variety of specific and unknown risks. 

 

 

High rise building

Coverage options

Title risks identified during the due diligence of a commercial property transaction.

Title solutions for both known and unknown risks associated with property title use and ownership. This protects the insured and their lender from loss and allows the transaction to continue quickly whilst providing peace of mind.

Title insurance insuring the full value of the target and target group and/or Real Estate, allowing sellers the option to limit warranties or cap their liability.

Top-up CoT Cover ensures that the full value of a real estate asset is covered with the excess being the solicitors’ PI limit. It complements the key elements of title certification given in a CoT for a highly competitive premium as an alternative to increasing a solicitors’ PI limit.

Title risks identified during the due diligence of a residential property transaction.

Title to shares and title to real estate policies to help ensure mergers and acquisitions complete smoothly, with a clean exit and providing comfort for investors and security for lenders.

Bespoke solutions tailored to suit the developer, allowing them to proceed and rely on the policy for any Right of Light assertions, damages and legal costs.

Tell us about your risk challenges, we’re happy to give you an indication of likely costs.

Risk appetite

 DUAL can write up to €320m for any single transaction.

•€320 million (approx.) for any single transaction for a title to real estate and share policy
•€320 million  (approx.) for any single title to real estate policy
•€140 million (approx.) for any single title to share policy

Subject to underwriting, we are able to accommodate higher overall limits for deals involving portfolios, which are subject to specified sub-limits.

We work with clients involved in a range of transactions and reorganisations

Current insureds include:

  • Developers
  • Funds
  • Investors
  • Lenders
  • Owners

Examples of industries where we are particularly active:

  • Renewable energy projects
  • Office, retail, and mixed use projects
  • Logistics
  • Distressed assets
  • Battery storage
  • M&A

Policy limits

€320m

for any single transaction

Higher limits

are available for portfolio deals

Why choose DUAL?

A-rated capacity

All DUAL binders are backed by trusted capacity providers with solid underlying financials.

Flexible, bespoke solutions

We are happy to take on complex scenarios and difficult challenges - our underwriters are able to tailor policy terms and conditions in line with client needs.

Streamlined underwriting process

Time against you? Our streamlined processes are designed to help you meet deadlines.

Local expertise on the ground

With title experts covering the 30 EEA jurisdictions, we have the local knowledge needed for a smooth transaction process.

Up-to-date policy wordings

Legislation around investment and ownership is aways evolving. We work hard to ensure our underwriting and policy coverage remains up-to-date and relevant amid legal changes.

Deep legal indemnity expertise

Highly skilled, widely experienced - and keen to help you solve problems.

Underwriting requirements

To underwrite the risks in a timely and effective way, we will usually need an up to date legal, technical and financial due diligence. Please get in touch to find out specific requirements for your proposal.

Our underwriting process is designed to be as simple as possible – even when due diligence reports are limited. Taking a collaborative approach, we will consider each risk on its own terms and work with you to find a solution.

We're here to help

Get in touch with our title insurance team today:

Photo of Paul  McGennis

Paul McGennis

Head of Title Insurance
Photo of Michael Moran

Michael Moran

Commercial Underwriter