Title Agent Licensing in Missouri

As far as licensing goes, there are two levels of licensing. One is for a producer which is a regular title insurance license and the other is for a qualified principal (“Title Agency Qualified Principal”). Each agent must have at least one qualified principal but can have multiple producers. Missouri is like a mini-Texas when it comes to compliance and state audits, so depending on who you ask, many functions like signatures on policies and commitments as well as examination and completion of T-10s must be done by a producer or qualified principal.

Licensing: There are two levels of licensing. One is for a producer which is a regular title insurance license and the other is for a qualified principal (“Title Agency Qualified Principal”). Each agent must have at least one qualified principal but can have multiple producers.

Licensed Functions: The law and regulations are not always crystal clear here, so each state auditor may have a different take on what is a licensed function, but at a minimum, the title examination and T-10 must be completed by someone with either one of the two above licenses. It is also recommended that all policies and commitments be signed by a licensed individual. Also, during the course of an audit, state auditors tend to look at the job functions of the people involved in the process and not just titles, so you may need to document what various employees do and make sure that anything the auditors tell you is a licensed function is being performed by someone with a license.