Mortgage Indemnity

In its most basic sense Mortgage Contingency can be described as a Contingent Property Policy for Financial Institutions. When a Residential Lender makes a loan against property they will require the Borrower to insure and maintain coverage against certain physical damage exposures thus protecting their interest.


For any number of reasons this may not occur. Mortgage Contingency is designed at this point, and following default, to make the Lender whole. There is typically no other avenue of recovery open to the Lender at this time and as such any loss would have a direct and significant effect on their bottom line.

THBUK Risk Solutions have designed our Mortgage Contingency product to fit all usual lending operations, allowing Lenders to choose which Mortgage type best fits their current practice, as well as illustrating potential savings that may be made to operational costs by the purchase of insurance.

Pricing is reflective of the contingent nature of the risk, in that the settlement of a single claim can easily cover any premium charged.

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