Obviously the best way way to avoid the problem is to increase the amount of your e&o insurance to accomodate the increased risk. In Connecticut you can not disclaim liability for your own negligence ( Errors and omissions) by written agreement. You can , however, enter into written contracts in Connecticut which limit liability to a reasonable amount. Although you can enter into blanket contracts with the party that hired you (Title Company, Lender, etc.) there are legal theories upon which the property owners can rely to assert a claim against you also.  Since the property owner differs with each order you receive, it is best to conclude the above mentioned agreement to limit liability with each new order you receive.