In NC, if you work direct for an attorney, you are covered under their E&O. If you are a free lancer, but work directly for the attorney, you are covered under their E&O as your work must be supervised by an attorney. So if you are in NC, you are usually not required to have personal E&O as the attorney coverage suffices. But if you are not doing work directly for an attorney, then you should have your own E&O as you are at risk. 

Also, as an aside, if you are not working directly at  the request of an attorney, then you could also be performing unauthorized practice of law if your search is used to obtain title insurance. So be very careful in this case for both issues.  If you are working directly for a national title company and not through a law firm, you could be at risk.The national attorney may review your work, but you are not covered under their E&O.

Toni Shepherd