Section 31A-20-109 - Single risk limitation for title insurance(1) As used in this section: (a) "Net retained liability" means the total potential liability retained by a title insurer for a single risk, after deducting liability reinsured for which credit may be taken under Section 31A-17-404.(b) "Single risk" means the sum of the potential liabilities under all title insurance policies issued on any estates in the same real property.(2) The net retained liability of a title insurer for a single risk, whether assumed directly or as reinsurance, may not exceed 50% of the capital and surplus of the insurer.Enacted by Chapter 242, 1985 General Session