20,000+ Central VA closings, two local offices, and underwriters you actually know.
Fast online title quote, ALTA-compliant statements, and escrow services without the stress.
We close everything from starter homes to schools, churches, gyms, and day cares backed by the protection of title insurance in Virginia.
Protecting commercial real estate investors and lenders throughout Virginia since 1996!
Small gaps in title work can stall draws, delay closings, or derail a deal. Our commercial title insurance team clears complex chains of title, coordinates ALTA/NSPS surveys and commercial title endorsements, and issues ALTA-compliant statements.
As a proven commercial title insurance company, we pair unmatched competence with local accountability from our Chesterfield and Petersburg, VA offices. Get a scope review and a path to commercial title insurance with Appomattox Title.
So, what is commercial title insurance? Basically, it is protection for business property deals, including acquisitions, refis, construction, leaseholds, and portfolios, against covered defects in the property’s past. In short, that can mean misindexed liens, recording errors, boundary/survey issues, deed problems, and much more.
If a covered issue surfaces after closing, your commercial title insurance policy can fund legal defense and covered loss up to the policy amount.
The purchase of commercial real estate can mean more significant amounts of money, more complex financial transactions, and a more complicated title. That’s why you need a commercial title insurance company like Appomattox Title to help you through the process.
If a covered defect surfaces later, the policy can pay legal defense costs and covered losses up to the policy amount.
There are two policies options:
Lender’s title insurance is required with most mortgages. This type of policy protects the bank’s interest in the home.
The other is owner’s title insurance. While it is optional, it is strongly recommended because it protects your equity and legal rights for as long as you own the property.
Commercial title insurance protects both the lender and the owner. While loan policy protection for the lender is required on most financed deals to protect the bank’s interests, an owner’s policy is not required. However, it is strongly recommended because it protects your equity and rights as an owner for as long as you hold the title to the business property.
Six weeks after buying a small distribution warehouse, a regional e-commerce brand signs a carrier contract that doubles truck traffic. Then, the neighbor gates a driveway the business has been using for years. Turns out, that “driveway” was never a recorded access easement—just a handshake deal with the previous owner. The city won’t issue the new loading permit without legal access, the neighbor demands a fee to negotiate, trucks start rerouting, and the lender flags a potential covenant default because revenue drops.
So, why did this situation occur? At closing, the buyer took a basic owner’s policy and passed on the ALTA/NSPS survey, Access & Entry (ALTA 17/17.1), Zoning (ALTA 3 w/ survey), and Same-as-Survey (ALTA 25).
Unfortunately, without that, the missing recorded access wasn’t discovered or insured. Now they’re paying counsel to either litigate or buy access, and every week of delay is lost margin.
However, if this company would have went with comprehensive commercial title insurance with an ALTA survey and targeted commercial title endorsements, the access gap would have been spotted pre-close. And if somehow it was discovered after closing, an insured access claim could trigger covered legal defense and, if necessary, compensation.
The big thing to remember is that commercial isn’t residential. As a commercial title insurance company, we build a checklist and insure everything that could go wrong with the title.
Commercial title insurance secures your lender’s position, converts assumed rights into recorded rights, and keeps draw schedules and lease commencements on track.
For ground-up projects, construction loan title insurance with date-downs maintains priority through each advance so mechanics-lien risk doesn’t derail the pro forma. For acquisitions and refis, aligning endorsements turns unknowns into insured facts and protects performance under title insurance in Virginia.
We coordinate with lender, GC, and inspectors so interim updates reflect new advances, priority is maintained, and mechanics’ lien risk is managed through completion. You’ll know exactly when to expect each endorsement/date-down and what evidence is required.
Since 1996, our team has helped businesses throughout Chesterfield, Petersburg, and the entire Central Virginia region with ALTA-compliant statements and national underwriting.
Appomattox Title Company, LLC offers commercial title insurance options that protect investors and lenders in Virginia from
From our Chesterfield and Colonial Heights offices, we provide commercial title insurance in Virginia for acquisitions, refinances, construction loans, leaseholds, and portfolios. As a proven commercial title insurance company, we coordinate ALTA/NSPS surveys, key endorsements, escrow, and settlement across the communities below.
Don’t see your city listed? We handle title insurance in Virginia throughout Central VA—just ask and we’ll confirm coverage.
Our underwriting, commercial title insurance endorsements, and closing timelines flex to the property’s real-world operations. As a Central Virginia commercial title insurance company, we assist the following businesses and industries:
Need something outside this list? We routinely handle mixed-use, medical, small industrial, and retail.
