You’re off to a good start. Of course, a malpractice claim can exceed the amount of insurance coverage in certain situations. But, more often, a dentist would face liability from a claimant who is not a patient at all – perhaps a creditor, an employee, a business partner, etc. Dentists are active outside of the practice. So, while it’s imperative to protect the practice, the building, and segregate valuable work-related assets. It’s also important to examine personal vulnerability, and protect real estate investments, personal property, and liquid accounts.