Alliant National Title Insurance Company

Alliant National Title Insurance Company operates as a title insurance underwriter, focusing on providing services and protection to independent title agents and their customers, who include residential and commercial property owners.

The company was founded in 2005 with a core philosophy of supporting, rather than competing with, independent agents. The founders included Dave Ginger, a veteran of the title industry; Bob Grubb, a businessman with a background in finance and private equity; and Scott Hendrickson, a CFO with experience in insurance and other sectors. Ginger's experience in both large national firms and smaller independent agencies fueled the idea of creating an underwriter that would align its interests with local agents. A foundational decision was made to have no direct or affiliate operations, meaning Alliant National does not have its own retail offices that would compete with its agent network for business. This "AgentsFirst" approach was tested and solidified during the 2008 financial crisis, a period when the company invested in education and marketing support for its agents instead of retracting from the market.

Alliant National’s business model is centered on issuing title insurance policies through its network of independent agents. The company generates revenue through the premiums on these policies. It provides a suite of services to its agents, including responsive underwriting support for complex challenges, collaborative claims handling, and customized educational solutions through its Alliant National Academy. The firm has also focused on security, becoming the first title insurance underwriter to achieve SSAE 18 Type II and ISO 27001 certifications. The company operates in 32 states and Washington, D.C., serving over 700 agents. The company's financial stability is backed by a Financial Stability Rating® of A, Exceptional, from Demotech, Inc., and reinsurance agreements with partners at Lloyd's of London.

In 2018, the private equity firm Presidio Investors acquired a majority stake in Alliant National, providing capital to expand its geographic reach and invest in technology. This partnership led to the development of an AI-enabled fraud detection tool in 2023. In late 2024, an agreement was announced for Alliant National to be acquired by Dream Finders Homes (NYSE: DFH), a homebuilder. This acquisition is positioned as a strategic move to create a vertically integrated real estate services ecosystem. Co-founder Bob Grubb led the company as CEO until 2019, when he transitioned to Vice-Chairman of the holding company, and David Sinclair, who joined in 2011, became President and CEO.

Keywords: title insurance underwriter, independent title agents, property title protection, real estate transaction, underwriting services, agent-focused business model, real estate insurance, property ownership, title industry, financial services, residential property insurance, commercial property insurance, claims handling, regulatory compliance, risk management, fraud detection, insurance technology, Dream Finders Homes, Presidio Investors, David Sinclair, Bob Grubb, title agent network, land title insurance, property law, closing services