GAP Coverage

For Legal Professionals: 

Gap Coverage helps you close with peace of mind during delays or closures at land titles/registry offices due to COVID-19

Gap Coverage is automatically included in our residential and commercial title insurance policies and insures both purchasers and lenders against losses due to intervening registrations on title between the date of closing and the date of registration. 


This means that in the event online registration is not available, or land titles/registry offices experience delays or closures due to COVID-19, transactions can close on time and funds and keys can be released to the respective parties. 


To benefit from Gap Coverage, please ensure:

  1. you have both a title search and execution/judgment search that were conducted within 30 days of the closing date;
  2. title insurance policies are ordered on or before the closing date; and
  3. registration documents are submitted immediately when you have access to online registration or after service resumes at the land titles/registry offices. 


Please note that on purchase transactions, a policy for both the owner and lender must be ordered for both parties to benefit from this coverage. When only a lender policy is ordered, the purchaser/borrower is not insured.


As your trusted partner, rest assured that we are here to help you close your transactions with confidence. 


Should you have any questions, please contact your Business Development Manager.



This information is intended to provide general information only. For full coverage details, please refer to a copy of our policy. Please note that we continue to monitor these changing circumstances and will send updates if there are any changes to this coverage.