Instant owner's + lender's title insurance premium for Florida commercial real estate — office, retail, industrial, multifamily, and land. State promulgated rates with the simultaneous-issue discount. All 67 Florida counties, updated 2026.
Base premium only. Endorsements (ALTA 9, zoning, survey, access), title search & exam, municipal-lien/UCC searches, settlement fee, recording, and doc-stamp/intangible taxes are quoted separately on your itemized commercial closing statement.
Refinancing or already have a prior owner's policy? Check the reissue rate →
Tell us about your commercial transaction and we'll send an itemized quote — base premium, endorsements, searches, and fees — plus any reissue credit. Statewide, all asset classes.
Here is the fact that surprises most commercial buyers: in Florida, the title insurance premium on a commercial property is calculated on the exact same promulgated rate as a home. The Florida Office of Insurance Regulation sets the premium based on the policy liability amount — not on whether the asset is a strip center, a warehouse, an apartment complex, or a single-family house. A $2,000,000 office building and a $2,000,000 residence pay the identical base premium.
What actually makes a commercial closing cost more is twofold: the larger dollar amount (which walks further up the rate tiers) and the endorsements commercial lenders and buyers require on top of the base premium. The calculator above gives you the promulgated base premium for the owner's and lender's policies — the foundation of your commercial title cost — and below we break down everything that layers onto it.
The owner's premium is a tiered sliding scale. Each portion of the liability is charged at the rate for its tier, then summed. On commercial deals the higher tiers ($1M–$5M, $5M–$10M, and above) are where most of the dollars land:
| Liability Tier | Rate / $1,000 | Applies To |
|---|---|---|
| $0 – $100,000 | $5.75 | First $100K |
| $100,001 – $1,000,000 | $5.00 | Next $900K |
| $1,000,001 – $5,000,000 | $2.50 | Next $4M above $1M |
| $5,000,001 – $10,000,000 | $2.25 | Next $5M above $5M |
| Over $10,000,000 | $2.00 | Everything above $10M |
Minimum premium $100. Source: Florida Administrative Code Rule 69O-186.003 (same schedule for residential and commercial).
Here is the owner's policy premium at typical commercial values, with the lender's policy issued at the $25 simultaneous-issue rate (loan at or below the purchase price):
| Purchase Price | Owner's Premium | Lender's (Sim.) | Base Total |
|---|---|---|---|
| $500,000 | $2,575 | $25 | $2,600 |
| $1,000,000 | $5,075 | $25 | $5,100 |
| $2,500,000 | $8,825 | $25 | $8,850 |
| $5,000,000 | $15,075 | $25 | $15,100 |
| $7,500,000 | $20,700 | $25 | $20,725 |
| $10,000,000 | $26,325 | $25 | $26,350 |
Base premium only — endorsements, searches, and fees additional. Run your exact numbers in the calculator above.
Nearly every financed commercial purchase needs both an owner's policy (protecting the buyer's equity) and a lender's policy (protecting the mortgage). When both are issued at the same closing, Florida lets the lender's policy be issued for a $25 minimum charge on loan liability up to the owner's policy amount. Because most commercial loans are at or below the purchase price, the lender's policy is effectively the $25 flat charge — which means the owner's premium is the real cost driver.
If the loan exceeds the purchase price (occasionally seen on construction or value-add financing), the excess loan amount above the owner's coverage is charged at the promulgated per-thousand rate for that tier. The calculator handles that split automatically when you enter a loan larger than the price.
This is where commercial deals depart from residential. Commercial lenders routinely require endorsements that modify or extend the policy, each priced on top of the base premium and varying by underwriter:
Because endorsement packages vary so much by lender and asset class, they are quoted per file rather than estimated by a calculator. When you request a quote, we list each required endorsement with its charge so your commercial closing statement is fully transparent.
If the commercial property was already insured by a prior owner's title policy — common on a refinance, or a resale where the seller can produce their existing policy — the new policy can be written at the discounted Florida reissue rate ($3.30 / $3.00 / $2.00 / $1.50 per $1,000) up to the face amount of the prior policy. On large commercial liability amounts, that credit can save thousands of dollars — and like residential, it is never applied automatically. Atlantic Title Firm checks every commercial file for reissue eligibility.
The promulgated premium is one line on a commercial closing. A complete commercial closing also includes:
For the full picture on a financed commercial purchase, start with the base premium above, then layer in endorsements, searches, fees, and taxes — or just ask us for an itemized quote.
It uses the same promulgated schedule as residential: $5.75/$1,000 to $100K, $5.00 to $1M, $2.50 to $5M, $2.25 to $10M, and $2.00 above. The owner's premium is $5,075 on $1M, $8,825 on $2.5M, $15,075 on $5M, and $26,325 on $10M. The lender's policy is a $25 simultaneous-issue minimum. Endorsements, searches, and fees are additional.
No. Florida premiums are based on the policy amount, not the property type, so commercial and residential pay the identical base premium for the same liability. Commercial deals cost more because of the larger dollar amount and the endorsements lenders require.
When the owner's and lender's policies are issued at the same closing, the lender's policy is a $25 minimum charge for loan liability up to the owner's amount. Excess loan above the purchase price is charged at the promulgated rate. On most commercial purchases the loan is at or below the price, so the lender's policy is the $25 flat charge.
ALTA 9 (comprehensive), ALTA 3.0/3.1 (zoning), ALTA 17 (access), ALTA 18 (single tax parcel), ALTA 19 (contiguity), ALTA 22 (location), survey, and environmental protection lien endorsements are the most common. Each is priced on top of the base premium and varies by underwriter, so they're quoted per file.
Yes. If the property was already insured by a prior owner's policy — common on refinances and recent resales — the new policy is written at the reissue rate ($3.30/$3.00/$2.00/$1.50 per $1,000) up to the prior policy amount. On large commercial liability this saves thousands. Use our reissue rate calculator.
On commercial deals it is negotiated in the purchase and sale agreement rather than set by county custom. It is common for the buyer to pay both policies, but the contract controls — and the party paying customarily selects the closing agent.
The base premium is identical everywhere because it's promulgated by the State. What varies is the non-premium side — endorsement handling, settlement fee, search turnaround, and the underwriting expertise to clear entity, survey, and zoning issues. That experience is where the right agency matters on a commercial file.
Florida-licensed across all 67 counties, with the underwriting depth to clear complex commercial files fast — entity, survey, zoning, and multi-parcel. Get an itemized quote with every endorsement spelled out.
