UCCPlus

What UCCPlus does

UCCPlus is a specialty insurance underwriting division of Fidelity National Title Group, in turn part of Fortune 500 parent Fidelity National Financial, Inc. (NYSE: FNF). Established in 2002 and headquartered in Chicago, IL, the unit underwrites two product lines: the UCCPlus Lender's Policy, which insures first-priority liens on personal property collateral (accounts, inventory, equipment, general intangibles, instruments, deposit accounts, investment property and proceeds) under UCC Articles 8 and 9, and the UCCPlus Owner's Policy, which insures the ownership of equity interests in corporations, LLCs, and limited partnerships. UCCPlus operates roughly ten Lender's Policy sub-variants tailored to specific transaction types — including All Assets, Construction, Equity Pledge, Mezzanine, Mixed Collateral, Project Finance/Energy, Revolving, Term, Working Capital, and New York Co-op Lender's Policies.

The business model is a direct, enterprise sales-led underwriting service with no self-service, agent, or broker channels. Orders are initiated only through contact with senior underwriting counsel (Chief Underwriting Counsel Gary M. Zimmerman and Deputy Chief Underwriting Counsel Andrew D. Lundberg), require submission of draft transaction documents (pledge agreements or purchase and sale agreements), and premiums are paid at closing. Pricing is quote-based on national uniform rates applied across all US jurisdictions, with additional endorsement fees for transaction-specific extensions (energy loans, mezzanine financing, construction advances). Customer segments are commercial lenders and financial institutions (banks, alternative lenders) needing lien protection on personal property collateral, law firms seeking to reduce legal opinion liability on UCC matters, and equity purchasers needing protection against ownership defects and third-party claims. UCC searches and filings are routed through approved third-party search and filing partners rather than performed in-house. The company does not develop or market technology, software, or AI products; its principal assets are the proprietary policy forms, the underwriting playbook, and the specialized attorney talent that has built the franchise since 2002.

Name

UCCPlus

Legal name

UCCPlus

Website

https://uccplus.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

UCCPlus, a Chicago-based division of Fidelity National Title Group (FNF), underwrites UCC title insurance policies insuring first-priority liens on personal property collateral and equity ownership for commercial lenders, law firms, and equity purchasers across the United States.

Ownership category

akta.pro rank

Product category

UCC Title Insurance

NAICS

Direct Title Insurance Carriers (524127), Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Insurance (FSAJACAL)

akta.pro secondary industry

Title Insurance & Underwriting (BPAJAOAA)

Keywords

• UCC title insurance
• Commercial lending insurance
• Personal property collateral
• Equity pledge coverage
• Uniform Commercial Code

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. UCCPlus Lender's Policy Premiums: One-time insurance premiums charged at loan closing for UCC title insurance policies covering personal property collateral. Premiums are based on loan amount and policy type with national standard rates applied uniformly across all jurisdictions.
2. UCCPlus Owner's Policy Premiums: One-time insurance premiums for owner's policies protecting equity interest purchasers against ownership defects, seller representations failures, and third-party lien claims.
3. Endorsement Fees: Additional fees for policy endorsements providing extended coverage for specific transaction types such as energy loans, mezzanine financing, and construction advances.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

UCCPlus underwrites and issues specialized UCC (Uniform Commercial Code) title insurance policies for commercial lending and equity transactions. Its flagship UCCPlus Lender's Policy insures first-priority liens on personal property collateral (accounts, inventory, equipment, general intangibles, instruments, deposit accounts, investment property and proceeds) under UCC Articles 8 and 9, with sub-variants tailored to loan type (e.g., all assets, construction, equity pledge, mezzanine, mixed collateral, project finance/energy, revolving, term, working capital, and New York co-op). Its UCCPlus Owner's Policy insures ownership of equity interests in corporations, LLCs, and limited partnerships against seller defects and third-party liens. Policies are underwritten by attorneys and paralegals specializing in Articles 8 and 9, with premiums paid at closing.

Product overview

UCCPlus is a division of Fidelity National Title Group offering UCC (Uniform Commercial Code) title insurance products. The company provides two core policy types: the UCCPlus Lender's Policy (with multiple sub-variants including All Assets, Construction, Equity Pledge, Mezzanine, Mixed Collateral, Project Finance/Energy, Revolving, Term, Working Capital, and New York Co-op) that insures lenders have first-priority liens on personal property collateral; and the UCCPlus Owner's Policy that insures ownership of equity interests in corporations, LLCs, and LPs. All policies are underwritten by experienced UCC attorneys and paralegals specializing in Articles 8 and 9 of the Uniform Commercial Code.

Differentiator

Problem solved

Functional benefit

Products and services

• UCCPlus Lender's Policy Title insurance policy that insures lenders have a first-priority lien on personal property collateral securing commercial loans, covering various types of secured loan transactions under UCC Articles 8 and 9.
• UCCPlus Owner's Policy Title insurance policy that insures the ownership of a purchaser's interest in a corporation, limited partnership, or limited liability company, protecting against defects in title and third-party claims.
• All Assets Loan Policy UCCPlus Lender's Policy variant ensuring a first-priority lien on all assets of a borrower, providing coverage similar to real property mortgage insurance for personal property collateral.
• Construction Loan Policy UCCPlus Lender's Policy variant that protects all personal property pledged for construction loans, covering all advances without requiring date-down endorsements.
• Equity Pledge Loan Policy UCCPlus Lender's Policy variant that insures equity interests being pledged as collateral in loan transactions, covering Article 9 general intangibles and Article 8 securities.
• Mezzanine Loan Policy UCCPlus Lender's Policy variant providing full protection for equity pledges in mezzanine loan transactions, covering both Article 9 financing statements and Article 8 securities.
• Mixed Collateral Loan Policy UCCPlus Lender's Policy variant providing first-priority lien coverage on all types of Article 8 or Article 9 collateral including accounts, inventory, equipment, and general intangibles.
• Project Finance / Energy Loan Policy UCCPlus Lender's Policy variant providing first-priority lien coverage on energy project collateral including turbines, solar panels, wind turbines, and power purchase agreements.
• Revolving Loan Policy UCCPlus Lender's Policy variant providing priority lien coverage on personal property collateral for revolving credit facilities, covering Article 8 and Article 9 collateral types.
• Term Loan Policy UCCPlus Lender's Policy variant providing first-priority lien coverage for term loan transactions secured by personal property collateral.
• Working Capital Loan Policy UCCPlus Lender's Policy variant ensuring first-priority lien on accounts, inventory, general intangibles and other working capital collateral, eliminating need for borrower legal opinions.
• New York Co-op Lender's Policy Specialized UCCPlus Lender's Policy variant for New York cooperative interest loans, providing personal property title insurance for financial institution collateral on co-op interests.

Quantifiable outcome

• Provides best coverage in the industry according to company materials
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Fidelity National Title Group (FNTG)coreStrategic or Co-development PartnerUCCPlus is a division of Fidelity National Title Group, the nation's largest provider of title insurance services. FNTG provides the operational infrastructure, financial strength, and brand backing for UCCPlus operations.
• Chicago Title Insurance CompanyminorStrategic or Co-development PartnerOne of the FNTG family companies whose logo appears alongside UCCPlus. Together with Commonwealth Land Title Insurance Company and Fidelity National Title Insurance Company, these entities collectively issue more title insurance policies than any other company in the nation.
• Commonwealth Land Title Insurance CompanyminorStrategic or Co-development PartnerOne of the FNTG family companies whose logo appears alongside UCCPlus.
• Fidelity National Title Insurance CompanyminorStrategic or Co-development PartnerOne of the FNTG family companies whose logo appears alongside UCCPlus.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Chicago Title Insurance Company: A sister company within the FNTG family of title insurers (UCCPlus is also a division of FNTG). Operates in the same parent corporate structure and shares the same brand and financial backing, providing title insurance to overlapping commercial lending customers.
• National Commercial Services (FNF): Direct affiliate within FNF's family of companies that provides commercial title insurance and escrow services. Operates as a direct comparator within the same parent company, serving commercial lenders and law firms with similar underwriting capabilities.
• Commonwealth Land Title Insurance Company: Another FNTG family title insurer that operates alongside UCCPlus under the same parent corporate umbrella. Provides title insurance for commercial and residential transactions, sharing customer relationships and operational infrastructure with UCCPlus.

Broad incumbents

• Westcor Land Title Insurance Company: A national title insurance underwriter providing commercial and residential title insurance products. Competes in the same overall title insurance category as UCCPlus, serving overlapping commercial lending and legal counsel customers.
• First American Title Insurance Company: One of the two largest title insurance underwriters in the United States and a direct competitor in residential and commercial title insurance. While First American does not specifically focus on UCC title insurance, it operates in the same title insurance category and competes for the same commercial lending customer relationships.
• WFG National Title Insurance Company: A title insurance underwriter serving commercial and residential transactions nationwide. Similar competitive positioning to UCCPlus in the title insurance space, with overlapping customer relationships at commercial lenders and law firms.
• Old Republic Title Insurance Company: A large national title insurance underwriter serving commercial real estate transactions. Operates in the same industry category as UCCPlus, with comparable commercial lender and law firm customer segments, though focused on real property rather than UCC insurance.
• Stewart Title Guaranty Company: A major title insurance underwriter serving commercial and residential real estate transactions nationwide. Similar to UCCPlus, Stewart operates in the title insurance category and serves commercial lenders and law firms, though Stewart's portfolio is concentrated on real property rather than personal property collateral.

Others

• Wolters Kluwer Lien Solutions: One of the leading UCC search and filing companies that UCCPlus engages to retrieve UCC records for underwriting. Provides enabling infrastructure for the UCC insurance workflow, similar to the relationship UCCPlus has with other approved search vendors.
• LexisNexis (LexisNexis Risk Solutions): UCCPlus uses approved third-party UCC search and filing companies to conduct due diligence on liens and security interests. LexisNexis provides UCC search services and public records data that support UCCPlus's underwriting workflow, making it an enabling infrastructure peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 UCCPlus