Lynne - Alix is exactly right.  Tail coverage is more about protecting you and much less about meeting a state's requirement (or lack or requirement in your case).  Having worked for TitlePac for over a decade and seen the E&O claims that get reported, I would always buy Tail if I was in your place.  Personally, I'd strongly consider buying as much as I could afford for as long as it would run.  I don't know if you are currently an insured of ours, but even if not, do not hesitate to call me with any of your questions.  Our office number is 800-331-9759.  When someone answers, ask for me.

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