A title agent's main fiduciary responsibility is to the:

A title agent's main fiduciary responsibility is to the title insurer, also known as the underwriter. This means that the title agent must act in the best interests of the title insurance company that they represent. The fiduciary duty encompasses the obligation to ensure that all necessary paperwork, title searches, and risk assessments are performed accurately and thoroughly to protect the interests of the insurer.

In this context, the title agent plays a critical role in facilitating real estate transactions by ensuring a clear title and issuing policies that protect against potential title defects. The title agent must uphold their responsibilities to the underwriter by adhering to regulatory standards and practices, thereby ensuring that the title insurance remains reliable and effective in covering possible claims arising from title issues.

While the agent interacts with buyers, sellers, and lenders, their primary allegiance lies with the title insurer, which ultimately assumes the financial risk associated with the title policy. This relationship underscores the importance of transparency and ethical practices in the title insurance process, reinforcing the trust that clients and lenders place in the system.