Attorneys Title Guaranty Fund

What Attorneys Title Guaranty Fund does

Attorneys Title Guaranty Fund, Inc. (ATGF) is a privately held, Colorado-domiciled title insurance underwriter founded in 1960 by a sub-committee of the Colorado Bar Association and now operating under the legal name Attorneys Title Guaranty Fund, Inc. The company underwrites Owner's and Lender's title insurance policies, retains a maximum of $250,000 of risk per policy, and cedes excess risk to Lloyd's of London, including a $20 million per-transaction capacity facilitated through the 2023 North American Title Reinsurance Group (NATRG) consortium it co-founded with eight other underwriters.

ATGF distributes exclusively through 500+ independent title agents and attorneys across 11 active states (Alabama, Arizona, Colorado, Louisiana, Maryland, Minnesota, Mississippi, Montana, Nevada, North Dakota, Utah), with a stated expansion target of 19 states including imminent launches in West Virginia and Ohio. Its core technology platform is EPIC (Electronic Policy Issuance Capability), a web-based title production, underwriting, and policy issuance system provided to agents at no charge, augmented in 2025 by EPIC Trust, an integrated escrow and trust accounting module designed to meet ALTA Best Practices compliance. The company supplements this with Agent+ back-office services (commitment typing, policy typing, CPL production, tax searches, examination) priced per transaction.

The business model is built on per-transaction title insurance premiums and optional Agent+ service fees, with revenue mechanics split between retained premium and reinsurance economics. ATGF has maintained Demotech's Financial Stability Rating of A, Exceptional since 2010, employs 11–50 staff across headquarters in Englewood, Colorado and regional offices in Minnesota and Alabama, and is led by CEO Rudy Krupka alongside President Eric Morgan, Esq. With FY2023 operating income of $6.7 million and $6.3 million+ in total assets, ATGF operates as a small, capital-disciplined, channel-aligned underwriter executing a multi-state expansion strategy.

Name

Attorneys Title Guaranty Fund

Legal name

Attorneys Title Guaranty Fund, Inc.

Website

https://atgf.net

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

Attorneys Title Guaranty Fund is a privately held Colorado title insurance underwriter founded in 1960 that underwrites policies through 500+ independent title agents and attorneys across 11 states, using its proprietary EPIC software platform.

Ownership category

akta.pro rank

Product category

Title Insurance

NAICS

Direct Title Insurance Carriers (524127)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Insurance & Underwriting (BPAJAOAA)

Keywords

• Title insurance underwriting
• Title production software
• Escrow trust accounting
• Real estate title services
• Closing protection letters

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Title Insurance Premiums: ATGF earns premiums on title insurance policies issued through its network of independent agents. Premiums are collected from real estate transactions at closing. The company retains only $250,000 of risk per policy, with excess risk reinsured through Lloyd's of London. Reinsurance applies to files exceeding $3,000,000.
2. Agent+ Services: Optional back-office services provided to agents including commitment typing, policy typing, CPL production, tax searches, and search services. Fees are charged per transaction for these optional services.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Attorneys Title Guaranty Fund, Inc. (ATGF) is a privately held title insurance underwriter that issues Owner's and Lender's title insurance policies through a network of 500+ independent title agents and attorneys. The company underwrites policies, retains up to $250,000 of risk per policy with the excess reinsured through Lloyd's of London, and provides its proprietary EPIC and EPIC Trust software platforms at no charge to its agents. It also offers optional Agent+ back-office services including commitment typing, policy typing, examinations, and search services.

Product overview

Attorneys Title Guaranty Fund (ATGF) operates as a title insurance underwriter offering a unified platform of products and services to independent title agents and attorneys. The core offering centers on EPIC, a comprehensive web-based title production and underwriting system that agents access at no charge. EPIC serves as the foundational platform, with EPIC Trust added as an integrated escrow accounting module. Agent+ Services provides supplementary back-office support including typing, searches, and examination services. Together with title insurance policies, underwriting expertise, claims handling, and marketing resources, ATGF delivers an integrated suite designed to support independent title agencies.

Differentiator

Problem solved

Functional benefit

Brands

• EPIC: EPIC (Electronic Policy Issuance Capability) is a web-based underwriting and distribution system developed specifically for the American title insurance marketplace, providing electronic underwriting capabilities and policy issuance management. Available at no charge to ATGF agents.
• EPIC Trust

Products and services

• EPIC (Electronic Policy Issuance Capability) Web-based title production, underwriting, and distribution platform providing policy issuance management, automated underwriting approval, document preparation, exception/requirement clause templates, legal description import, endorsement management, ALTA policy creation, premium calculation, and agent remittance reporting. Provided at no charge to authorized ATGF agents.
• EPIC Trust Integrated escrow accounting module built into the EPIC platform. Enables agents to disburse funds, reconcile accounts, write and print checks, and generate audit reports while meeting ALTA Best Practices compliance standards. Replaces the need for separate accounting software.
• Agent+ Services
• Title Insurance Owner's and Lender's title insurance policies protecting real estate buyers and lenders against defects in title arising from past events such as unpaid debts, forged documents, undisclosed heirs, and judgments. Underwritten by ATGF and reinsured through Lloyd's of London for amounts exceeding $250,000 of retained risk.
• Underwriting Services Underwriting support with 60+ years of experience, including localized underwriting, in-house counsel for compliance, certified underwriters, and underwriting guidelines for title agents and attorneys.
• Claims Handling Web-based claims submission and settlement service for ATGF policyholders, providing prompt response when claims are tendered. Agents face zero claims deductibles.
• Marketing Services No-cost marketing resources including customizable brochures, collateral materials, graphics, and web assistance to help agents grow and promote their title businesses.

Quantifiable outcome

• Average agency saves $1,000 or more per year by switching to EPIC Trust
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and major.

• American Land Title Association (ALTA)coreStrategic or Co-development PartnerATGF is a member of ALTA, the premier trade association for the land title insurance industry. Membership provides industry standards, advocacy, and networking opportunities.
• West Virginia Bar AssociationmajorStrategic or Co-development PartnerATGF is actively engaging and sponsoring the West Virginia Bar Association and West Virginia State Bar Association as part of its expansion into West Virginia in 2025.
• Ohio Land Title AssociationmajorStrategic or Co-development PartnerATGF is actively sponsoring and engaging with the Ohio Land Title Association and Ohio Bar Association as part of its expansion into Ohio in 2025.
• Land Title Association of Colorado (LTAC)coreStrategic or Co-development PartnerATGF is a member of LTAC, supporting its operations in its founding state of Colorado.
• Minnesota Land Title Association (MLTA)coreStrategic or Co-development PartnerATGF is a member of MLTA, supporting its operations in Minnesota and North Dakota.
• Utah Land Title Association (ULTA)coreStrategic or Co-development PartnerATGF is a member of ULTA, supporting its operations in Utah since 1966.

Scale indicators9 records

Recent moves15 records

Expansion highlights5 records

Broad incumbents

• First American Title Insurance Company: Largest U.S. title insurer and one of the 'Big Four.' Direct overlap on title insurance underwriting, but operates a massive direct retail footprint that competes with its own agents — the exact model ATGF explicitly avoids.
• Stewart Title: National title underwriter in the Big Four set. Competes in many of the same states as ATGF with a broader product and distribution footprint.
• Chicago Title Insurance Company: A division of Fidelity National Title and one of the most recognized national title brands, competing with ATGF for lender and agent business in overlapping states.
• Fidelity National Title (FNF): Another of the Big Four title underwriters. Directly competes with ATGF in many of the same states but at national scale, with both direct and agency channels.
• Old Republic National Title Insurance: Big Four title underwriter with broad national agency operations, comparable product set (owner/lender policies, escrow, underwriting), and overlapping geographic coverage.

Direct peers

• Investors Title Insurance Company: Publicly traded smaller-cap title underwriter with a comparable agent-centric model and similar focus on independent title agents and attorneys across multiple U.S. states.
• AmTrust Title Insurance Company: Mid-market title underwriter serving independent agents and attorneys with a similar product suite (title insurance, escrow, closing protection letters) across multiple U.S. states.
• Westcor Land Title Insurance Company: Mid-size title underwriter that similarly focuses on independent agents and attorneys without competing direct retail operations — a close strategic analog to ATGF.
• WFG National Title Insurance Company: Growing national title underwriter with a strong independent-agent distribution model, comparable in size and strategy to ATGF's agent-driven approach.

Emerging players

• Doma Title Insurance: Tech-forward title underwriter pursuing an alternative model to traditional agents, with some products and underwriting offerings that overlap with ATGF's agent-centric stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ATGFinc
• Facebookfacebook.com/ATGFconnect

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Attorneys Title Guaranty Fund