The Pennsylvania Title Insurance license
Title Insurance
Searches the title, issues the policy and usually runs the closing. Pennsylvania calls what it grants a certificate of qualification and asks the holder for three separate financial instruments at once, which only the District's title license also does.
Course
None
This license has no pre-licensing course route.
Ways in
1
It requires the state exam.
Exam
Varies
Priced per paper. The prices are below.
Either combination is $55. Each single paper is $45.
Every way to qualify
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Route 1 Pass the title examination and put three instruments in place
State exam required
The examination
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An examination required by the Insurance Department demonstrating reasonable familiarity with applicable insurance laws and the business of title insurance in general
and errors and omissions insurance
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Errors and omissions insurance in an amount the appointing insurer accepts and never less than $250,000 per claim with a $500,000 aggregate limit and a deductible no greater than $25,000; the title insurer may not provide it directly or indirectly
and a blanket fidelity bond
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A blanket fidelity bond covering every agency employee, never less than $150,000, with a deductible no larger than fifteen percent of the bond penalty, paid for by the agent and not by the title insurer; an agency whose only people are its owners, partners or stockholders may apply to the Department for a waiver
and a surety bond
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A surety bond in the form the Department prescribes of not less than $100,000, securing performance of the agent's fiduciary duties, remaining in force until cancelled on thirty days' notice to the Department; title insurers are exempt from this one
and an appointment
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Appointment by a licensed title insurer after certification, with notice to the Department, and a written contract with that insurer under which the agent performs the work
Section 726 of the Insurance Company Law of 1921, as rewritten by Act 79 of 1995, changed the grant from a license to a "certificate of qualification" and left the Department's own paperwork calling it a license, which is why it sits in the producer license matrix with a $55 resident fee. Section 726(c)(1) is the examination and section 726.1 is the three instruments. Only one other license here asks for errors and omissions cover, a fidelity bond and a surety bond at once, and it is also a title license: the District's, at $500,000, $200,000 and $200,000. Alabama's title agent asks for none of the three, Washington's asks for $200,000 of fidelity cover plus a $10,000 surety bond, and Idaho asks for a $10,000 bond per county. Section 724(a) defines the work as determining insurability and issuing the report or policy, plus at least one of collecting or disbursing funds, handling escrow or closings, soliciting or negotiating the business, or recording closing documents. Section 724(b) then bars banks, trust companies, lending institutions, mortgage servicers, mortgage brokers and mortgage guaranty companies and their officers and employees from acting as a title agent at all, and excludes approved attorneys and a title insurer's own salaried employees from the definition.
Read at palegis.us on 2026-08-19
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Pennsylvania does examine a title agent, so there is a paper here to prepare for, and no national seller prepares anybody for it. The five sellers covering Pennsylvania carry producer line packages, a public adjuster package and a motor vehicle physical damage appraiser package and nothing for title.